Zero Regrets. Zero Interest For 21 Months
Zero Regrets. Zero Interest for 21 Months.
Zero Regrets. Zero Interest for up to 21 Months.
With one of the longest intro APR periods on qualifying balance transfers we've seen, this offer is perfect for anyone looking to avoid high interest rates.
on Wells Fargo's secure site
Intro Offer:
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
- Intro APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
- Regular APR
17.49%, 23.99%, or 28.24% Variable APR on purchases and qualifying balance transfers
- Annual Fee$0
Bottom Line:
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then 17.49%, 23.99%, or 28.24% Variable APR
- Up to $600 of cell phone protection against damage or theft (subject to a $25 deductible).
- $0 annual fee
- Click “” to apply online
The Wells Fargo Reflect® Card offers 0% intro APR for 21 months from account opening on qualifying balance transfers, 17.49%, 23.99%, or 28.24% Variable APR thereafter. That's one of the longest interest-free periods available on the market today, which is the most important factor you'll need to consider.
Why We Rate This A Top Balance Transfer Card
Balance transfer credit cards are basically measured by a single standard — time. It's all about how much time they give you to pay down debt without interest. By that standard, this card's 21-month intro period is one of the longest of any card available on the market today.
What we're seeing is the drive interest from people who…
… Want to delay initial interest payments on new purchases
… Have an existing balance they want to transfer
… Need a time window to pay off their balance before they start paying interest. If you were to apply for the card today you’d have until 2027 before you start getting hit with interest charges. It's like taking a 21-month vacation from paying interest!
Who Should Get This Card
- The Wells Fargo Reflect® Card is a great fit for those who want plenty of time to pay down debt or finance a large purchase, without being charged interest.
- Consumers who still need to do some significant shopping while waiting to pay down old balances will love the 0% intro APR on purchases and qualifying balance transfers for nearly two years.
Other Top Balance Transfer Options
Not convinced? We think the Wells Fargo Reflect® Card is a top choice for balance transfers, and there's no telling how long it will be around for, but here are two popular alternatives that also offer solid low interest offers:
on Citibank's secure site
With one of the longest intro APRs available, the Citi® Diamond Preferred® Card is a top choice for anyone looking to save money with a balance transfer. This market-leading offer, from our partner Citibank, comes with 0% for 12 months on Purchases and a dazzling 0% for 21 months on Balance Transfers, 16.49% - 27.24% (Variable) APR thereafter. That's almost two years to pay down your balance totally interest free. Did we mention there's no annual fee?
Put your Excellent, Good credit to work and enjoy the breathing room offered by this lengthy intro APR. If you currently have a large balance on a credit card that is charging steep interest rates, the Citi® Diamond Preferred® Card could be the perfect card to help you finally escape those huge interest charges. Apply today and enjoy a lengthy intro APR of 0% for 21 months on Balance Transfers!
on Citibank's secure site
When it comes to cash back cards, the Citi Double Cash® Card from our partner Citibank is truly one of a kind – it's the only card that allows you to earn cash back twice. Cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
With no rotating categories and no special bonuses on certain spending, you simply earn the same flat rate of 2% no matter what you are purchasing. The Citi Double Cash® Card also offers a sign up bonus of $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This card even comes with no annual fee, and a top-tier intro APR on balance transfers: 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) thereafter.
