0% Intro APR Until 2027 with Best Balance Transfer Card
The Wells Fargo Reflect® Card offers an incredibly long intro APR on purchases and qualifying balance transfers. Imagine paying off your existing card debt with no interest or funding a big purchase without the added cost of credit card interest. A card that offers 0% intro APR for nearly two years makes this possible, saving you a significant amount of money if you pay the balance in full during the introductory period.
Expert Reviewed
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The exceptional 0% intro APR — 21 months on purchases and on qualifying balance transfers — makes the Wells Fargo Reflect® Card one of the best cards on the market.
| Intro APR | 0% intro APR for 21 months from account opening on purchases and on qualifying balance transfers |
|---|---|
| Regular APR | 17.49%, 23.99%, or 28.24% Variable APR |
| Annual Fee | $0 |
- No annual fee
- Exceptionally long intro APR period
- Cell phone protection option
- Some competing cards charge a lower balance transfer fee
- There is a foreign transaction fee so it’s not the best option for purchases outside of the U.S.
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Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
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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.
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$0 annual fee.
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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.
Highlights:
- $0 annual fee
- 0% intro APR for 21 months from account opening on purchases and on qualifying balance transfers
- After the introductory period, a 17.49%, 23.99%, or 28.24% Variable APR will apply
- Cell phone protection
The Wells Fargo Reflect® Card offers an industry-leading 21-month introductory APR on both purchases and qualifying balance transfers (followed by a 17.49%, 23.99%, or 28.24% Variable APR). Unlike most low APR cards on the market, this card also delivers additional perks, making it a great option for much more than just a long intro APR. We dig into all of the important details below.
Long Intro APR on Purchases & Qualifying Balance Transfers
If you plan to make some significant purchases and want to avoid interest payments while you work to pay off your balance or you are looking to transfer a balance from another high-APR credit card, then this card is difficult to beat. The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening on purchases and on qualifying balance transfers, then a 17.49%, 23.99%, or 28.24% Variable APR. Balance transfers made within 120 days qualify for the intro rate and there is a 5% balance transfer fee ($5 minimum). If you accrue interest charges each month on another card (or cards) the transfer fee is likely worth the expense especially if you plan to pay the balance off before the 0% intro period is over.
Cell Phone Protection
Low APR cards often lack additional perks but the Wells Fargo Reflect® Card has a unique benefit that most competitors lack. If you use your card to pay your cellular telephone bill you can get up to $600 of protection on your cell phone against covered damage or theft (subject to $25 deductible). This will give you peace of mind that your cell phone is protected while saving you money by not needing to pay out of pocket for the protection through another provider.
Additional Benefits
New card members will be eligible to earn cash back in the form of statement credits through My Wells Fargo Deals. You can access the deals online or through the mobile app. It is easy to activate the deals and the offers are even based on your purchase history. You can also keep an eye on your FICO® Credit Score with Wells Fargo Online®.
We think the Wells Fargo Reflect® Card is tough to beat but we have rounded up some other options from our partners that may appeal to you as well.
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This card offers 21-month 0% intro APR on balance transfers — one of the longest available — along with 12 months of no interest on purchases!
| Intro APR |
0% intro APR for 21 months on Balance Transfers 0% intro APR for 12 months on Purchases |
|---|---|
| Regular APR | 16.49% – 27.24% (Variable) |
| Annual Fee | $0 |
- Very long intro APR on balance transfers
- No annual fee
- Free FICO® score access
- Shorter intro APR on purchases
- Balance transfer fee is higher than other comparable cards
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0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% – 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
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There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
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Get free access to your FICO® Score online.
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With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
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This is a solid choice for anyone in the market for a balance transfer credit card that offers cash back rewards. The dollar-for-dollar match of the cash back you’ve earned your first year is a nice bonus.
| Intro APR |
0% Intro APR on balance transfers for 18 months 0% Intro APR on purchases for 6 months |
|---|---|
| Regular APR | 17.49% – 26.49% Variable APR |
| Welcome Bonus | Discover will match all the cash back you’ve earned at the end of your first year. |
| Cash Back |
1% – 2% Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter. Earn 1% Unlimited Cash Back On All Other Purchases – Automatically |
| Annual Fee | $0 |
- Long introductory APR for balance transfers
- Unlimited dollar-for-dollar cash back match in the first year
- Elevated 2% rewards rate for gas stations and restaurants
- The highest cash-back rate, 2% for gas and restaurants, is limited to $1,000 in combined purchases per quarter.
- Base cash back rate is only 1%
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INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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.
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Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You’ll still earn unlimited 1% cash back on all other purchases.
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Get a 0% intro APR for 18 months on balance transfers. Then 17.49% to 26.49% Standard Variable APR applies, based on credit worthiness.
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Redeem cash back for any amount
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No annual fee.
- Terms and conditions apply.
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This card has one of the longest intro APR periods on balance transfers, offering 0% for 21-months! Plus the intro balance transfer fee is only 3% of each transfer (minimum $5) versus 5% on most other cards.
| Intro APR |
0% intro APR for 21 months on Balance Transfers 0% intro APR for 12 months on Purchases |
|---|---|
| Regular APR | 17.49% – 28.24% (Variable) |
| Annual Fee | $0 |
- Low intro balance transfer fee
- Generous intro balance transfer period
- Choose your payment due date
- After the intro period, the variable APR for balance transfers and purchases is high
- Balance transfers increase after the first four months.
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No Late Fees, No Penalty Rate, and No Annual Fee… Ever
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0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.49% – 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
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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).
- Stay protected with Citi® Quick Lock
As you can see, it is a great time to be in the market for a new credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these stand-out options today.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.