What is the best 0% intro APR personal card?

The Wells Fargo Reflect® Card is the best 0% intro APR personal card in my books with the longest period of 0% interest out of all of the 0% APR cards. The Chase Freedom Unlimited®, Chase Freedom Flex® and Blue Cash Everyday® Card from American Express are just a few of the number of personal cards offering 0% APR upon getting the card.

Whatever your situation, 0% APR cards can be surprisingly beneficial.

What is the 0% APR offer on the Wells Fargo Reflect card?

When you are accepted for the Wells Fargo Reflect card, you will get 0% introductory APR from the account opening for 21 months. This can be nice for a number of reasons. And you just have to pay your minimum payment every month for those 21 months to remain in good standing.

Whether you have a big purchase coming up, you just got laid off or you are a federal worker, this card can give you lots of flexibility. You won’t have to stress in the immediate term over urgent bills and purchases. Or let’s say you have a big purchase right now and you are receiving a Christmas bonus later in the year. You can make that purchase now on the Wells Fargo Reflect card and then pay it back when you receive that bonus.

The 21 months of no interest is the best intro APR offer out there but there’s lots of 0% APR credit cards if you aren’t a fan of Wells Fargo.

Is there an introductory offer besides the 0% APR on the Wells Fargo Reflect card?

No. Unfortunately there is not an introductory offer on the Wells Fargo Reflect® Card.

If you are looking for a card that has 0% APR along with a welcome bonus, you might want to check out the Chase Freedom Unlimited® or Chase Freedom Flex®. With either card, you will get $200 in cash back after spending $500 in the first three months from the account opening. And you can even convert this cash back into Chase points. The other cool thing is that while you are spending on the card, you will earn cash back besides the welcome bonus. With the Wells Fargo Reflect card, there are not any rewards associated with the account.

What was my experience like with the Ink Business Unlimited® Credit Card, another 0% APR card?

I currently have the Ink Business Unlimited® Credit Card and am on my way to hit its welcome bonus while also enjoying 0% APR for the first 12 months from the account opening. I will receive $900 in cash back after spending $6,000 in the first three months from the account opening. It’s important to note that this is a business card—this kind of welcome offer is not available on personal cards that have a lengthy 0% APR offer.

The neat part about Chase business cards is that you can transfer the rewards you earn to your personal cards for personal redemptions.

Final Remarks

I’m pretty deep into the credit card space now, but 0% APR on cards is something newer I’ve learned. I have always been taught by my parents and grandparents that I should pay off cards every month as soon as I can. But this card throws a wrench into that traditional thinking.

Even if you aren’t worried about your finances, cards like the Wells Fargo Reflect card can still be a great benefit. It can be excellent if you have a major purchase like a car or a new computer and you are hoping to pay it off over time. Or maybe you would like to put some money toward stocks and keep a credit card balance that you know you’ll pay off later. If you decide to move forward with a card like the Wells Fargo Reflect card or Chase Freedom Unlimited®, just make sure you proceed with caution. The balance can add up fast.

Do you see any benefit for a 0% APR card in your wallet?