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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.
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What you need to know:
- This card is a great option to help pay down debt or plan for a large purchase, with one of the longest intro APR periods our editors have seen.
- 0% intro APR for 21 months from account opening on qualifying purchases and balance transfers, then 17.24%, 23.74%, or 28.99% Variable APR.
- Premium perks on the side, like cell phone protection (subject to a $25 deductible) and personalized shopping and dining deals.
- $0 annual fee.
The Wells Fargo Reflect® Card stands out from other intro APR cards as it offers this introductory rate on both purchases and qualifying balance transfers. This intro offer is packed with value, especially considering the $0 annual fee.
What we like about the Wells Fargo Reflect® Card
While some cards only offer an intro APR on purchases or balance transfers independently, the Wells Fargo Reflect® Card offers 21 months from account opening of an intro 0% APR on purchases and qualifying balance transfers, APR then 17.24%, 23.74%, or 28.99% Variable. That means you could take a break from interest until nearly 2027, all without an annual fee!
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 online now
Who is the Wells Fargo Reflect® 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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Has an upcoming large purchase: This card offers a 0% intro APR for 21 months from account opening, then 17.24%, 23.74%, or 28.99% Variable on purchases, — one of the longest offers in the marketplace — making it an affordable option to finance large purchases.
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Has high-interest credit card debt: High-interest credit card debt can be difficult to escape. With this card, you can enjoy a 0% intro APR 21 months from account opening on qualifying balance transfers, then 17.24%, 23.74%, or 28.99% Variable. Transfer your existing balance to this card, and wave goodbye to high-interest debt!
Bottom Line
The Wells Fargo Reflect® Card is a great choice for a credit card. Who doesn't love 21 months from account opening with 0% intro APR on purchases and qualifying balance transfers (then 17.24%, 23.74%, or 28.99% Variable) — all without an annual fee?
- Low Intro APR: Enjoy a 0% introductory APR on purchases and qualifying balance transfers. After the intro period, the APR is 17.24%, 23.74%, or 28.99% Variable.
- Amazing Welcome Offer: Benefit from a long introductory APR period on purchases and qualifying balance transfers
- $0 Annual Fee
>> Click here to apply now and pay an intro 0% APR until nearly 2027
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.
Intro Offer
Benefit from a long introductory APR period on purchases and qualifying balance transfers
Annual Fee
$0
Why we like it
What are other cards to consider?
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, 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. 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 maximize cash back and pay no interest until 2026 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 until 2026 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 18.24% - 27.24% 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.
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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