This 21-Month 0% APR Window Is One of the Longest You'll See in 2026

Paying off debt is America's No. 1 New Year's money resolution for 2026, according to Motley Fool Money research. And it makes sense. This year we hit a record $1.2 trillion in collective credit card debt, averaging $9,326 per household.

Credit card interest rates are brutal. And when you're carrying a balance, it can feel like you're sinking -- even when you're trying your best to get ahead.

But there's one move that can give you a fresh shot at paying things down: pausing interest altogether.

This card gives you nearly two full years with 0% interest

The Wells Fargo Reflect® Card (rates and fees) comes with one of the longest 0% intro APR periods available right now.

Here's what you get:

• 0% intro APR for 21 months from account opening on qualifying balance transfers and 21 months from account opening on purchases; a 17.74%, 24.24%, or 28.49% Variable APR applies after
• Applies to both purchases and balance transfers made within 120 days
• Balance transfer fee: 5%, min: $5
• $0 annual fee

That window could mean paying no interest in all of 2026, and stretching well into 2027 too. For anyone carrying high-interest debt, that's a huge runway to finally knock it down -- without compounding interest eating away at your progress.

Let's say you move a $5,000 balance from a 25% APR card. Even after the transfer fee, you could save over $1,200 in interest by using the Wells Fargo Reflect® Card and paying it off steadily over the intro period.

It's built for peace of mind -- not perks

One trap I see many people fall into is getting distracted by credit card rewards, instead of focusing on paying off debt.

Cash back, airline miles, welcome bonuses -- they're tempting. But if you're carrying a balance, those perks pale in comparison to what interest charges are quietly doing in the background.

That's why the Wells Fargo Reflect® Card skips the fluff. It's designed with a singular purpose: to give you time and space to breathe.

That said, it's not completely bare-bones. You still get:

• Cellphone protection up to $600 (just pay your monthly bill with the card; $25 deductible applies)
• Access to My Wells Fargo Deals, where you can earn cash back as a statement credit by shopping with participating merchants

But the real win here isn't in stacking rewards -- it's in skipping interest for nearly two full years.

What to consider before applying

This is one of the best balance transfer cards available right now. But there are a few fine print details to keep in mind:

• There's a balance transfer fee of 5%, min: $5. This is pretty standard, but worth factoring into your overall savings math if you're moving a balance over.
• You'll need good to excellent credit. Most approvals for the Wells Fargo Reflect® Card go to applicants with a solid credit history.
• Foreign transaction fees apply. It's not the best card to bring overseas.

If your goal is rewards, a travel rewards card is more up your alley. But if you're staring down debt and just want a path forward, this could be one of the most helpful cards out there.

Everyone's financial situation is different. And there's no single "best" way to pay down debt. But in a world of rising rates and relentless interest, a 0% intro APR offer spanning almost two years is rare -- and it might be the reset you've been waiting for.

Compare more 0% intro APR cards and see what fits your goals best.