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FinanceBuzz's credit card experts reviewed dozens of cards with an introductory APR on purchases, and the Wells Fargo Reflect® Card(Rates and fees) is one of our favorites. It has one of the longest no-interest intro periods on purchases and balance transfers that we've seen, all without an annual fee.
2025 award winner Best 0% Intro APR Credit Card
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Wells Fargo Reflect® Card
Balance Transfers: 0%, 21 months from account opening on qualifying balance transfers
Why We Like It
Card Details
What You Need To Know:
If your top priority is finding an intro APR card with one of the longest intro periods, the Wells Fargo Reflect® Card is a top contender. With a 0% intro APR for nearly 2 years on both purchases and qualifying balance transfers, it can be a great tool to tackle high-interest debt or to help finance a large purchase. After the 21 months from account opening intro period, the regular APR is then 17.24%, 23.74%, or 28.99% 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.
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 17.24%, 23.74%, or 28.99% Variable.
>> Click here to apply now and pay an intro 0% APR until 2027
2025 award winner Best 0% Intro APR Credit Card
Benefits
Card Details
- 0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.24%, 23.74%, or 28.99% 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
- The ongoing APR may still be competitive compared to other cards
- 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. 17.24%, 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.
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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 uncomplicated cash back rewards on top of a low intro APR:
With the Citi Double Cash® Card, you can enjoy 18 months of 0% intro APR on balance transfers, then 18.24% - 28.24% (Variable). Plus, there's no annual fee to worry about with the Citi Double Cash® Card.
You'll also earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. That's like getting paid twice for every dollar you spend! Your points can be redeemed for cash back as a statement credit, direct deposit or check. Don't let high APRs and annual fees hold you back from earning rewards.
Click here to apply now for the Citi Double Cash® Card(Rates and fees)
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If you want to pay 0% intro APR on balance transfers for 18 months:
Wipe out high interest rates until nearly 2027 on balance transfers!
The Discover it® Chrome(Rates and fees) features 18 months of 0% intro APR on balance transfers; then 18.24% - 27.24% Variable APR. Our editors love this — it is the perfect way to eliminate high interest payments, and say good-bye to debt ASAP!
The Discover it® Chrome has no annual fee. On top of that, you can 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.
Annual Fee: $0
Click here to apply now for the Discover it® Chrome
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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