The Wells Fargo Reflect Card Is Our Top Pick for Avoiding Interest Payments in 2025

Trying to make a dent in your mountain of debt? If so, we've got a credit card for you: the Wells Fargo Reflect® Card (rates and fees), our award winner for avoiding interest payments in 2025.

We reviewed dozens of credit cards to find the best one for avoiding high-interest debt. With a 0% introductory APR for a full 21 months from account opening on qualifying balance transfers and purchases, the Wells Fargo Reflect® Card won out, offering one of the longest intro periods available today.

If you're managing a large purchase or consolidating debt from a higher-interest card, this gives you valuable breathing room to catch up. Keep reading to learn if it's right for you.

How the Wells Fargo Reflect Card helps you save

Here's what makes this card stand out:

• 0% intro APR for 21 months from account opening on qualifying balance transfers and purchases; after that, a variable APR applies
• $0 annual fee
• $600 in cellphone protection per year (subject to a $25 deductible) when you pay your bill with the card

Whether you're financing a big expense or moving debt from a higher-interest card, the Wells Fargo Reflect® Card gives you the time you need to pay it off without racking up interest. Just note that balance transfers must be made within 120 days to qualify for the intro rate.

The nearly two-year 0% intro APR window makes this card one of the best debt-reduction tools available, bar none. If you're looking to save on interest, it's going to be difficult to do better than the Wells Fargo Reflect® Card.

Ready to save today? Apply for the Wells Fargo Reflect® Card and start knocking out debt interest-free for nearly two years.

Know what you're getting into before applying

While the Wells Fargo Reflect® Card is a fantastic 0% intro APR credit card, it's not the best choice if you want long-term perks. Note that this card has:

• No ongoing rewards, like points or cash rewards
• A balance transfer fee of 5%, min: $5
• A 3% foreign transaction fee

The Wells Fargo Reflect® Card is a strong balance transfer card, but keep the transfer fee in mind. A $10,000 transfer, for example, will cost $500 -- added straight to your card balance. That's still going to be much cheaper than paying interest for two years, but it's important to plan for that cost.

Start your 0% intro APR period today

If your main goal is saving on interest, the Wells Fargo Reflect® Card is one of the best debt-reduction tools available.

With nearly two years of 0% intro APR, no annual fee, and added protection for your cellphone, it's a simple and effective way to get your finances back on track. I recommend it to anyone who wants to chip away at high-interest debt.

Apply for the Wells Fargo Reflect® Card now and avoid interest payments for 21 months from account opening on qualifying balance transfers and purchases.