0% intro APR until 2024 is 100% insane

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Search Icon Click here to search Search For Motley Fool Money Credit Cards Best Wells Fargo Credit Cards Wells Fargo Reflect® Card Review: Our Best 0% Intro APR Credit Card of 2026 Review Updated Aug. 14, 2026 Author: Joel O'Leary Joel O'Leary Full-Time Personal Finance Writer Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.

The Wells Fargo Reflect® Card ( rates and fees ) is one of the best cards you can get for paying down debt or financing a big purchase interest-free. It carries one of the longest 0% intro APR periods on the market, plus a $0 annual fee.

The catch: once that intro APR window closes, the Wells Fargo Reflect® Card earns no rewards and hands you no ongoing perks. So it's not a great long-term keeper.

If your only goal is to stop interest cold, the Wells Fargo Reflect® Card is hard to beat. Here's my honest review.

Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor 5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Recommended Credit Score required for this offer is: Good/Excellent (670-850) Poor Fair Good Excellent 300-579 580-669 670-739 740-850 Apply Now for Wells Fargo Reflect® Card On Wells Fargo's Secure Website .

Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR for 21 months from account opening on purchases

Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers

This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.49%, 23.99%, or 28.24% Variable APR after). The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases and balance transfers, this card is hard to beat.

These cards are designed for people looking to pay off a large purchase or transfer a balance — so our ratings emphasize interest-free periods, fee structures, and how much time you really get to pay things down.

We don’t penalize cards for a lack of long-term rewards here – this category is all about interest savings, and our ratings reflect that.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best high limit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring high limit credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

The Wells Fargo Reflect® Card is best for people carrying high-interest debt or planning a large purchase they want to spread out over time.

You get nearly two years of breathing room with no interest, which can save a lot of money while you pay things off.

If you're looking for cash back or travel rewards, this is not the card for you. The Wells Fargo Reflect® Card has no rewards program and no welcome bonus. It loses most of its value the moment the intro period ends.

The Wells Fargo Reflect® Card's headline feature is 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. (A 17.49%, 23.99%, or 28.24% Variable APR applies after.)

That's one of the longest 0% APR periods you'll find anywhere -- which is why it earned Motley Fool Money's award for Best 0% Intro APR Card of 2026.

This long intro APR is particularly handy for large balances (think anything $5,000+). The longer the promo window, the less you need to pay each month to clear your balance while paying no interest.

The Wells Fargo Reflect®...

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