Feeling Buried by Credit Card Debt? You Could Pay Zero Interest Until 2027

Credit card debt can feel like a weight that won’t let up, especially with interest piling on each month. It’s hard to get ahead when you’re stuck paying double-digit interest rates.

If you’re tired of watching your payments disappear into interest, the Wells Fargo Reflect® Card (rates and fees) offers a way out. Right now, you can lock in 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, giving you until 2027 to pay down your balance without interest adding to your stress.

And there’s no annual fee to worry about.

How much you could save

Let’s say you have $10,000 in credit card debt at 21% interest, paying $500 a month. You’d be looking at a little over two years of payments and almost $2,500 in interest — and that’s if you don’t add more to your balance.

Transferring that debt to the Wells Fargo Reflect® Card and making the same monthly payment could allow you to pay it off in 20 months with zero interest (with a whole month remaining on the 0% intro APR offer). You’d pay a 5%, min: $5 balance transfer fee ($500 on $10,000), but you’d still save a couple thousand in interest and get out of debt sooner, helping you finally get ahead.

Why this card is different

This isn’t a flashy rewards card. It’s a tool for people who want to stop interest from swallowing their finances. In addition to an intro APR, the card offers cellphone protection (up to $600 if you pay your phone bill with the card, $25 deductible).

That’s it, and for many people, that’s exactly what they need right now: more time, less interest, and a path to being debt-free.

If you’re ready to stop feeling buried and start making progress, you can apply for the Wells Fargo Reflect® Card here to take advantage of the generous intro APR offer.

Another option if you want rewards too

If you don’t need 21 months to pay down your debt, there are other no-fee cards that offer shorter 0% intro APR periods while letting you earn cash back:

Chase Freedom Unlimited® (see rates and fees)

• 0% Intro APR on Purchases and Balance Transfers for 15 months
• Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 3%-5% cash back on bonus categories, plus 1.5% cash back on all other purchases

Use your 0% window wisely

When you’re trying to get ahead of credit card debt, interest can feel like quicksand. A 0% intro APR offer gives you a chance to climb out — but you need a clear plan.

Here’s how to make it work:

• Watch for fees. Most cards charge a 3%–5% fee when you transfer a balance. Even with that, the savings can be huge.
• Pay it off before interest kicks in. Once the promo period ends, your rate could jump to 20% or more.
• Know your credit score. You’ll usually need a score of 670+ to qualify, but many issuers let you check your chances with no impact on your credit.

If you’re feeling stuck, this kind of offer could be the fresh start you’ve been waiting for. The key is to use the interest-free window to take control — and not look back. Check out all our favorite balance transfer credit cards here to find the right fit for you.