The Wells Fargo Reflect® Card (rates and fees) sets itself apart with an incredible 0% Intro APR offer for 21 months from account opening on Purchases and qualifying Balance Transfers — all with no annual fee (after the intro period, the go-to APR of 17.24%, 23.74%, or 28.99% Variable APR applies).
Our expert's summary:
- 0% intro APR for 21 months from account opening on qualifying balance transfers. This means you'll pay no interest until 2027!
- 0% intro APR for 21 months from account opening on purchases. It's rare to find an intro period this long for purchases.
- Cell phone protection against damage or theft (a very underrated perk).
- $0 annual fee
Simply put, if you’re looking to pay off debt or spread out the cost of a big purchase while avoiding interest for as long as possible, it’s hard to beat this card.
2025 Award Winner
Wells Fargo Reflect® Card
Great for: Balance Transfers
4.50 out of 5
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 = Poor4.50 out of 5
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 = PoorIntro APR 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
- 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.
What we like about the Wells Fargo Reflect® Card
0% intro APR for 21 months from account opening on qualifying balance transfers: One of the longest introductory periods we've come across, you'll get 0% intro APR for a full 21 months from account opening on qualifying balance transfers. That means you’ll have almost two years to pay off your balance.
It's worth noting that the intro APR applies to balance transfers made within the first 120 days of opening the account. There is also a balance transfer fee of 5%, min: $5. Those fee amounts are standard among balance transfer credit cards.
0% intro APR for 21 months from account opening on purchases: You'll also get 0% intro APR on purchases for the first 21 months from account opening, which is the longest we've seen. You won't earn rewards or a welcome bonus with that spend, but it's a helpful perk if your goal is to avoid interest on new purchases for as long as possible.
$0 annual fee: This card comes with no annual fee, which is an important feature if your goal is to pay off debt.
Cellphone protection: When you pay your monthly cellphone bill with your eligible Wells Fargo credit card, you get up to $600 of cellphone protection against damage or theft (subject to a $25 deductible). This is one of those underrated credit card perks. You don't need to pay for cellphone insurance out of pocket, since this card includes protection already.
Special offers: Through My Wells Fargo Deals, you can earn cash back statement credits on shopping, dining, and experiences that you pay for with your eligible Wells Fargo card.
Suggested credit score
A FICO® Score of at least 670 is recommended when you apply for the Wells Fargo Reflect® Card.
Increase your credit score in as little as one month?
Paying down credit balances is the fastest way to improve your FICO® Score. That's because 30% of your credit score is based on how much of your available credit you're using. Your credit utilization is reported monthly, which means paying off debt could improve your credit score in one month!
Final take
If your priority is a long 0% intro APR for a balance transfer, the Wells Fargo Reflect® Card clearly outshines the competition. The 21-month 0% intro APR on purchases is also helpful if you have big expenses coming up or you need to spread out the cost of purchases over time, yet still avoid interest on them during the intro period (but remember to pay it off before you start accumulating interest).
Add it all up and it's easy to see why our experts named this the Best 0% Intro APR Credit Card of 2025.
Our experts also recommend:
Discover it® Chrome
4.50 out of 5
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 = Poor4.50 out of 5
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 = PoorIntro APR
Purchases: 0%, 6 months
Balance Transfers: 0%, 18 months
Regular APR
18.24% - 27.24% Variable APR
Rewards 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
1% - 2% Cashback
Annual Fee
$0
Welcome Offer
Discover will match all the cash back you’ve earned at the end of your first year.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable APR applies, based on credit worthiness.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- No annual fee.
- Terms and conditions apply.
Citi Double Cash® Card
4.50 out of 5
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 = Poor4.50 out of 5
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 = PoorIntro APR
Purchases: N/A
Balance Transfers: 0%, 18 months on Balance Transfers
Regular APR
18.24% - 28.24% (Variable)
Rewards Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
2% cash back
Annual Fee
$0
Welcome Offer Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
$200
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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