There’s usually no way to say just one card is better than all the rest. This is not one of those times. After analyzing dozens of current card offers, our experts all came to the same conclusion. For most people, the Wells Fargo Reflect® Card is a top balance transfer credit card of 2025.
Bottom Line:
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, followed by 17.49%, 23.99%, or 28.24% Variable APR. Pay no interest until 2027!
- Up to $600 of cell phone protection against damage or theft (subject to a $25 deductible).
- $0 annual fee.
on Wells Fargo's secure site
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, followed by 17.49%, 23.99%, or 28.24% Variable APR. Pay no interest until 2027!
- Up to $600 of cell phone protection against damage or theft (subject to a $25 deductible).
- $0 annual fee.
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, the Wells Fargo Reflect® Card's 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers is one of the longest of any card available on the market today. The intro APR is followed by 17.49%, 23.99%, or 28.24% Variable APR.
What we're seeing is this 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 online 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!
More than just a balance transfer card
One of the longest 0% Intro APR periods on the market is reason enough to say yes to this card. On top of that, Wells Fargo offers a few more perks that make this a must-have among Balance Transfer cards:
- No annual fee. The card is designed to help you save money. You'll automatically avoid any annual or upfront fees.
- Cell Phone Protection up to $600 if damaged or stolen when cardholders pay their monthly cell phone bill with their Reflect Card (subject to a $25 deductible). With the price of a typical cell phone in the hundreds of dollars, having some sort of insurance is a good idea.
- Earn cash back as an account credit through My Wells Fargo Deals. You can log into your Wells Fargo account online or through the mobile app to view and activate deals for shopping, dining, and experiences. Earning an additional 10% or even 20% back on eligible purchases is a really unique perk, especially if you take advantage of these kinds of offers regularly.
- Built-in Zero Liability Protection to ensure cardholders are not held responsible for any unauthorized transactions when reported promptly.
Who Should Get This Card
This 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.
This is why I've personally chosen this card and recommend it to all my friends. This combination of features - the 21-month vacation from paying interest, $600 in cell phone protection, cash back potential, and no annual fee - is too good to pass up. We don't know how much longer they'll be offering it.
Remember, for Balance Transfer cards it's all about time. We suggest not wasting any time waiting to apply for the premier balance transfer card on the market. Then take your time to pay down your balance with no additional interest for up to 21 months.
Simply to apply and find out if you are approved. You could get a decision in 60 seconds or less. Why wait?
The Rest of the Best
If the Wells Fargo Reflect® Card doesn’t feel like the right choice for you, that’s ok. While we feel it’s one of the best balance transfer credit cards on the market right now, perhaps you’re looking for something more specific. If so, here are our favorite alternatives.
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 0% for 21 months on Balance Transfers, 16.49% - 27.24% (Variable) APR thereafter. That means you have 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
Unlimited cash back and a low Intro APR on balance transfers? Must be the Citi Double Cash® Card from our partner Citibank. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Cardholders also earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. There are no complex rewards – you simply earn a flat 2% no matter what you're buying.
The Citi Double Cash® Card is the only card that lets you earn cash back twice while also offering an Intro APR of 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) APR thereafter. With no annual fee, it's an excellent choice to pause interest for nearly two years while earning cash back at one of the highest earning rates available.
