Our experts awarded Best 0% Intro APR Credit Card and Best Balance Transfer Credit Card to the Wells Fargo Reflect® Card in 2022. And it’s not hard to figure out why.

With on-time payments, the Wells Fargo Reflect® Card offers one of the longest 0% intro APR periods for purchases and balance transfers that we’ve seen. New cardholders get 0% intro APR on purchases and qualifying balance transfers for 21 months from account opening, and then the go-to rate of 17.74% – 29.74% variable APR.

You’ll effectively get a nearly two-year break on interest, which can help you pay off credit card debt faster and avoid interest on new purchases.

On top of the lengthy 0% intro APR period, this card offers a balance transfer fee of 3% or $5 (whichever is greater) for transfers requested in the first 120 days of account opening. Other cards in the category can charge up to 5% intro fee on balance transfers, making this card a more affordable option for debt transfer.

Bottom line:

• 0% intro APR on purchases & qualifying balance transfers for 21 months from account opening — one of the longest intro periods we’ve seen.
• Cell phone protection against damage or theft (a very underrated perk)
• $0 annual fee

Simply put, you’d be hard pressed to beat this card if you’re looking to temporarily avoid credit card interest.