Here's How to Get 0% Intro APR for 21 Months With No Annual Fee
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Looking for a way to pay 0% in interest well into 2027? If so, you're in luck with the Wells Fargo Reflect® Card (rates and fees).
The Wells Fargo Reflect® Card has one of the longest intro APR offers you'll find -- and it applies to both purchases and balance transfers. Whether you're looking to erase high-interest debt or pay off an upcoming purchase, the Wells Fargo Reflect® Card gives you the breathing room you need do it.
Here's why the Wells Fargo Reflect® Card is my favorite balance transfer card out there right now.
Get an intro APR for nearly two years
With the Wells Fargo Reflect® Card, you'll get:
- 0% intro APR for 21 months from account opening on qualifying balance transfers and 21 months from account opening on purchases; after that, a 17.74%, 24.24%, or 28.49% 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
That's one of the longest intro APR periods you'll find on either purchases or balance transfers -- and with the Wells Fargo Reflect® Card, the offer applies to both. No interest on everything for almost two years? Yes, please.
Just keep in mind that balance transfers have to be made within the first 120 days to qualify for the intro rate.
And to sweeten the deal, the Wells Fargo Reflect® Card also comes with $600 in cellphone protection when you pay your bill with your card. If you want a card that goes above and beyond a great intro APR offer, the Wells Fargo Reflect® Card is worth a look.
2026 Award Winner
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Intro APR 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
17.74%, 24.24%, or 28.49% Variable APR
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
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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 (17.74%, 24.24%, or 28.49% 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
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- 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. 17.74%, 24.24%, or 28.49% 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 right for you?
It's worth noting that the Wells Fargo Reflect® Card has no ongoing rewards rates, which means you won't earn cash back or travel rewards for paying with your card. There are some great rewards cards that also come with 0% intro APR, but it'll likely be much shorter than the Wells Fargo Reflect® Card's intro APR.
That means this card isn't right for you if you want to rack up rewards. But if your only goal is to save on interest, you'd be hard-pressed to beat the Wells Fargo Reflect® Card -- and if you're in serious debt, that should definitely be your top priority.
If that sounds like you -- what are you waiting for? Check out our full review of the Wells Fargo Reflect® Card to apply now and start saving.
Our Research Expert
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.