Breathing Room Starts Here: Pay No Interest Until 2027 With This 0% Intro APR Card
Over 50% of Americans between ages 30 and 60 carry a credit card balance from month to month, according to Federal Reserve data. That’s troubling — because those balances aren’t just lingering, they’re growing fast under today’s sky-high interest rates.
If you’re in this group, here’s some good news: you can actually hit pause on those interest charges for nearly two full years.
The Wells Fargo Reflect® Card (rates and fees) currently offers a stellar intro APR offer on both new purchases and qualifying balance transfers.
Why a longer 0% intro APR period really matters
The longer an 0% intro APR window lasts, the more breathing room you have to pay down debt without interest working against you.
That’s what makes the Wells Fargo Reflect® Card so powerful. It offers 0% intro APR for 21 months from account opening on qualifying balance transfers and 21 months from account opening on purchases (followed by a 16.99%, 23.49%, or 28.74% Variable APR).
So whether you’ve got existing credit card debt, or you’re planning to finance something new, you’ve got a nearly two-year runway to get it taken care of.
I’ve reviewed dozens of 0% intro APR cards for Motley Fool Money, and this one offers one of the longest interest-free periods on the market.
How much interest could you actually save?
Say you’re carrying a $6,000 balance on a credit card with a 21% APR — and you’ve been paying $300 per month.
Without a 0% intro APR, you’d fork over roughly $1,450 in interest before paying that off.
But if you move that same balance to the Wells Fargo Reflect® Card, you could avoid all interest completely. There is a balance transfer fee of 5%, min: $5, but in this scenario you’d end up paying a one-time fee of $300 instead of $1,450 in interest.
And it’s not just for existing debt. You can also use the Wells Fargo Reflect® Card to finance a new purchase and pay it down slowly.
For example, you could buy some new kitchen appliances, then spread payments equally over 21 months from account opening with no interest on purchases (after the intro period, a 16.99%, 23.49%, or 28.74% Variable APR applies). It’s like having your own short-term loan, but without the expensive interest part.
Pro tip: Use this free balance transfer calculator to see how much interest you’d save
No annual fee, and an award-winning pick
Oh yeah, there’s also a $0 annual fee! That means every dollar you save on interest stays in your pocket.
The Wells Fargo Reflect® Card was named Motley Fool Money’s Best 0% Intro APR Credit Card for 2025, earning a perfect 5 out of 5 star rating from our expert panel.
How to use it effectively
This card only works its magic if you’ve got a plan. Here’s how to make the most of the intro APR window:
- Do the math upfront. Divide your total balance by the length of the intro period to see what monthly payment clears it before interest kicks in.
- Transfer early. You’ll need to move balances within 120 days to qualify for the full intro APR period.
- Stay consistent. Pay on time, every month. One late payment could shorten your intro period.
- Avoid new debt. Treat this card like a debt payoff tool, not a new spending account.
I’ve had friends use this card to clear out debt, and it’s honestly unbelievable. But without a plan, you could end up in a worse spot than before. So you’ve really got to take it seriously.
Ready to press pause on interest?
Far too many folks in the U.S. are stuck in a cycle of high-interest debt. They keep making payments, but their balances barely move month after month.
The Wells Fargo Reflect® Card offers a real way out.
With an intro APR offer that spans nearly two years, you’ve got time to breathe, build a plan, and finally get ahead.
Compare today’s top balance transfer cards and start your debt-free journey.