0% Intro APR Until 2027 with Best Balance Transfer Card of 2025
The Wells Fargo Reflect® Card offers an incredibly long intro APR on purchases and qualifying balance transfers.
Apply NowFact Checked
Every article we publish is fact-checked by our editors ensuring adherence to the highest standards. All article information is verified against reputable sources and experts in the field. x
Highlights:
- $0 annual fee
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.
- After the introductory period, a 16.99%, 23.49%, or 28.74% Variable APR will apply.
- Cell Phone Protection
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.
The Wells Fargo Reflect® Card offers an industry-leading 21-month introductory APR on both purchases and qualifying balance transfers (followed by a 16.99%, 23.49%, or 28.74% 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 qualifying balance transfers, then a 16.99%, 23.49%, or 28.74% 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®.
Wells Fargo Reflect® Card
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. Read our in-depth Review to learn more.Card Details From Issuer
- 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. 16.99%, 23.49%, or 28.74% 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.
Other Low APR Card Options
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.
Great Option for Balance Transfers
Citi® Diamond Preferred® Card
The Citi® Diamond Preferred® Card (an advertising partner) is tailored to those who are looking to pay down debt. It is a great option if you plan to make some significant purchases and want to avoid interest payments while you work to pay off your balance. It is also a good fit for anyone looking to transfer a balance from another high-APR credit card. New card members will benefit from a 0% intro APR for 12 months on Purchases and 21 months on Balance Transfers then 16.99% – 27.74% (Variable). Balance transfers must be completed within 4 months of your account opening and there is a balance transfer fee of either $5 or 5% of the amount of each transfer (whichever is greater) but that fee is likely significantly less than the interest you are currently paying on another card.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
If you are looking for a balance transfer card then this option from Citi, an advertising partner, may be a good uncomplicated option. You will pay no annual fee and save money on interest with one of the longest intro APR periods currently available on balance transfers. The balance transfer fee is higher than many other cards we review so make sure to take that into consideration. Read our in-depth Review to learn more.Card Details From Issuer
- 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 16.99% – 27.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- 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.
Quick and Simple Rewards
Discover it® Chrome
This is a solid choice for anyone looking for a lengthy intro APR on balance transfers. It offers 0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 17.99% – 26.99% Variable APR. There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. You will also earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. You will also earn unlimited 1% cash back on all of your other purchases. Top it off with a dollar-for-dollar match of the cash back you have earned your first year, all while paying no annual fee.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
A solid choice for those who spend modestly (the 2% categories are capped at $1,000 in combined purchases each quarter) and are looking for a straight forward cash back credit card focused on gas and restaurants. The dollar-for-dollar match of the cash back you’ve earned your first year is a unique bonus opportunity. Read our in-depth Review to learn more.Card Details From Issuer
- 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 17.99% to 26.99% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
No Late Fees, No Penalty Rate, and No Annual Fee
Citi Simplicity® Card
The Citi Simplicity® Card is another top choice for those with good to excellent credit looking to make a balance transfer. New card members will benefit from a 0% intro APR on balance transfers for 21 months and for 12 months on purchases. After that a 17.99% – 28.74% (Variable) will apply. 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) Since this card is tailored to those interested in a very long intro APR period it is no surprise that there are no ongoing rewards or bonus opportunities. There are, however, a handful of other perks that come with approval like access to your FICO® Score online and no late fees or annual fee.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This card is hard to beat if you are looking for the longest possible intro APR on balance transfers. It also offers a generous intro period on purchases and boasts no late fees, no penalty rate and no annual fee. Read our in-depth Review to learn more.Card Details From Issuer
- No Late Fees, No Penalty Rate, and No Annual Fee… Ever
- 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 17.99% – 28.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 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.