We Compared 100+ Credit Cards -- This Is the Best Balance Transfer Card for February 2026

Published on Feb. 5, 2026

Ryan Wilcox

By: Ryan Wilcox

Full-Time Personal Finance Writer

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I'm not steeped in debt, thankfully. But if I were, there'd only be one credit card I'd use to get out of it: the Wells Fargo Reflect® Card (rates and fees).

That's because the Wells Fargo Reflect® Card comes with one of the longest intro APR periods out there, and it applies to both purchases and balance transfers. That means whether you're looking to save on existing debt or upcoming big buys, this card is pretty tough to beat.

Here's why the Wells Fargo Reflect® Card is our pick for the best balance transfer card of February 2026.

Pay no interest for almost two whole years

As mentioned, the Wells Fargo Reflect® Card is more or less the king of intro APR offers. For no annual fee, you'll get:

  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers; after that, a 17.49%, 23.99%, or 28.24% Variable APR applies
  • $600 in cellphone protection per year (subject to a $25 deductible) when you pay your bill with the card

Sure, there are other cards that offer tons of flashy perks -- but if you're just looking for a way to save on debt, the Wells Fargo Reflect® Card is absolutely the way to go.

Just note that balance transfers must be made within 120 days to qualify for the intro rate.

Award Icon 2026 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.
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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 for 21 months from account opening on purchases

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

Regular APR

17.49%, 23.99%, or 28.24% 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 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.49%, 23.99%, or 28.24% Variable APR after). The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases and balance transfers, 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. 17.49%, 23.99%, or 28.24% 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.

Is the Wells Fargo Reflect Card the right balance transfer card for you?

The Wells Fargo Reflect® Card is one of the best cards out there if you're looking to claw your way out of debt. But it's not a great option if you want ongoing earning rates or a long list of benefits. The $600 in cellphone protection is all you'll get in that regard.

Also keep in mind that balance transfers incur a fee of 5%, min: $5. A foreign transaction fee of 3% also applies to purchases made outside the U.S.

Still, if your only goal is to pay off debt fast -- and if you're in debt, that should be your only goal -- the Wells Fargo Reflect® Card has my seal of approval. With almost two years to pay down debt or purchases without interest racking up and no annual fee, it's a simple, straightforward way to delete debt as soon as possible.

Ready to get started? Read our full review of the Wells Fargo Reflect® Card to apply now.

Our Research Expert

Ryan Wilcox
Ryan Wilcox icon-button-linkedin-2x

Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.