The Best Balance Transfer Card Of 2022

The Best Balance Transfer Card Of 2022

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We’re declaring a new Best in Class winner in the Balance Transfer category to kick off the new year.

The newly released Wells Fargo Reflect℠ Card offers up to a full 21-month 0% APR intro period. That’s the longest interest-free period available on the market today, which is the most important factor you’ll need to consider.

Bottom Line:

NEW 0% intro APR for up to 21 months. Sign up online today and you won’t pay any interest at all until October 2023. The 21 month period starts when you open the account and applies to all purchases and qualifying balance transfers.Free cell phone protection if your cell phone is damaged or stolen.$0 annual fee.Why We Rate This The Top Balance Transfer CardBalance 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 21-month 0% APR intro period on both purchases and balance transfers is the longest of any card available on the market today. You start with an 18 month 0% intro APR period from account opening, then as long as you continue to make on-time minimum payments, that 0% APR extends up to 3 months for a grand total of 21 months interest-free.

What we’re seeing is the Wells Fargo Reflect℠ Card 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 sign up online f

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