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

Published on Aug. 7, 2025

Ryan Wilcox

By: Ryan Wilcox

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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.

Ratings Methodology
Award Icon 2025 Award Winner

Wells Fargo Reflect® Card

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Reflect® Card
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 21 months from account opening

Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers

Regular APR

17.24%, 23.74%, or 28.99% Variable APR

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible intro APR. The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases, this card is hard to beat.

    Read Full Review
    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Balance transfer fee
    • Foreign transaction fee
    • No rewards program
    • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
    • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
    • $0 annual fee.
    • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
    • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

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.

Our Research Expert

Ryan Wilcox
Ryan Wilcox

Ryan is a full-time Personal Finance Writer at Motley Fool Money. He’s been covering topics like credit cards and savings since 2022, focusing on helping people who are new to the world of personal finance.