This Card Could Help You Get Out of High-Interest Debt Until Nearly 2028!
- FinanceBuzz Award-winning card recognized for its exceptional 0% intro APR offer
- Lengthy introductory no-interest period on both purchases and qualifying balance transfers
- No annual fee
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It doesn't matter why you're dealing with high interest debt. Life happens. But you don't have to live in pain forever. The Wells Fargo Reflect® Card(Rates and fees) offers a clear path out of the mess with 0% intro APR until nearly 2028. Read on to learn how this card could help ease the pressure.
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0%, 21 months from account opening
0%, 21 months from account opening on qualifying balance transfers
- 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.
What You Need To Know:
If your top priority is getting out of high interest debt, the Wells Fargo Reflect® Card could be the perfect fit. The 0% intro APR runs for nearly 2 years on purchases and qualifying balance transfers, making it a powerful tool to potentially help eliminate high-interest debt. Simply transfer your existing debt to your new card, then make regular payments without the burden of high interest so you could pay off your debt faster. After the 21 months from account opening intro period, the APR is 17.49%, 23.99%, or 28.24% Variable.
More benefits and perks:
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My Wells Fargo Deals: Cardholders can access discounts from various retailers and merchants. You do have to activate the deals and use your Wells Fargo credit card to receive statement credits through this program, but there is no cost to use it, and it's an easy way to save a little money.
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Roadside dispatch: Cardholders receive access to a pay-per-use roadside assistance program. The program provides towing, tire changing, lockout service, fuel delivery, and more.
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Cell phone protection: If you pay your eligible monthly cell phone bill with this card, you receive protection for any phones on that plan. This acts like cell phone insurance and covers against damage or theft for up to $600 per claim, with a $25 deductible. There is an allowable maximum of two paid claims per 12-month period.
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$0 annual fee: The Wells Fargo Reflect has a $0 annual fee, which means you don't have any yearly cost to offset, making it more cost-effective.
» Apply for the Wells Fargo Reflect® Card.
How The Wells Fargo Reflect® Card Stacks up
With its lengthy intro APR offer and no annual fee our experts think the Wells Fargo Reflect® Card(Rates and fees) is tough to beat. But how does it stack up against the competition? See a side-by-side comparison below.
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0%, 21 months from account opening
0%, 21 months from account opening on qualifying balance transfers
Credit Score
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0%, 18 billing cycles
0%, 18 billing cycles
Credit Score
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0%, 12 months from date of account opening
0%, 21 months from date of account opening
Credit Score
Bottom Line: Who Is This Card Best For?
The Wells Fargo Reflect® Card is a great choice for anyone who:
- Has good to excellent credit: The Wells Fargo Reflect® Card is a good choice for applicants with a credit score of 670+.
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Wants a long intro APR period: Many cards simply can't compete with 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. This is great if your main goal is to tackle high-interest debt or help finance a large purchase. After the intro period, the go-to APR is 17.49%, 23.99%, or 28.24% Variable.
» Click here to apply now and pay an intro 0% APR until 2027
- 0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.49%, 23.99%, or 28.24% Variable APR
- Up to $600 Cell phone protection when you pay for the cell phone with your card (subject to a $25 deductible)
- $0 annual fee
- Apply Now
- 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.
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Intro Offer
Benefit from a long introductory APR period on purchases and qualifying balance transfers
Annual Fee
$0
Why we like it
Other Cards You Might Like:
The Wells Fargo Reflect® Card is hard to beat with its notable extra-long intro APR period and $0 annual fee. But, if you want to consider other options, here are some contenders:
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If you want to maximize cash back and pay no interest into 2027 on purchases and balance transfers:
With the Discover it® Cash Back(Rates and fees) card in your pocket, you can enjoy paying no interest on purchases or balance transfers into 2027 while earning some of the highest cashback rewards we've seen from cards with intro APR perks!
Enjoy a 0% intro APR for 15 months on purchases and balance transfers, then APR is 17.49% - 26.49% Variable. This is a great time to pay down credit card debt or help finance a large purchase without adding interest charges. Plus: Discover will match all the cash back you’ve earned at the end of your first year.
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If you want to pay no interest into 2027 on purchases and balance transfers and earn a generous welcome bonus:
The Chase Freedom Unlimited®(Rates and fees) lets you earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
With an extended 0% intro APR period on purchases and balance transfers for the first 15 months, you can take a break from paying interest until June 2027 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 18.24% - 27.74% Variable.
And you don’t want to overlook the amazing cashback benefits: Cardholders can earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases. It's no wonder why this is considered one of the leading cards on the market.
Annual Fee: $0
Click here to apply for Chase Freedom Unlimited® now.
Frequently Asked Questions
Have questions about no interest credit cards? We've answered the most common ones below to help you choose the right card for you.
If you can pay off your credit card before the promotional period ends, a 0% intro APR credit card can be worth it. Some of these cards might also be able to earn you bonus cash back on certain new purchases. However, a plan to pay off the credit card is important if you want to save money on interest and get rid of your debt faster.
Anyone who qualifies can take advantage of a 0% intro APR offer, so the list of the type of people who can benefit from one is long. However, here are two specific examples in which a 0% intro APR offer can make a significant difference:
- People with crippling credit card debt: If you’re struggling to get ahead on paying down your credit card debt, high interest rates could be part of the problem. If you can qualify for a balance transfer credit card, you can remove interest costs from the equation, at least for a time, while you focus on eliminating your debt.
- People with emergency expenses: If you’ve lost a job, experienced a short-term disability, or dealt with expensive car or home repairs, a 0% intro APR credit card can help you cover the cost of your emergency expenses and give you time to pay for them interest-free.
When your 0% intro APR promotional period ends, your account APR will change to its regular APR, which was set when your account was opened. This may be a variable APR that takes into account your creditworthiness, or it may be a fixed APR. If you pay off your balance in full every month, you’ll continue to be able to use the card interest-free. But if you carry a balance from month to month, you’ll pay interest on that balance.
APR, or annual percentage rate, is a number that expresses how much you’ll pay for borrowing money, including interest, fees, and other charges. An interest rate is how much interest you’re charged for borrowing money. The APR and interest rate for credit cards are basically the same thing, but these rates are typically different for loans.
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$0 annual fee.