The Best Credit Card for Balance Transfer and Rewards in 2025

Wells Fargo Active Cash® Card: Simplicity and Solid Returns

If you prefer straightforward rewards without complicated categories:

• Balance Transfer Offer: 0% intro APR for 15 months
• Rewards Structure: Unlimited 2% cash back on all purchases
• Annual Fee: $0
• Why It Stands Out: Simple, competitive flat-rate rewards with no categories to track

The Wells Fargo Active Cash® Card delivers a clean, hassle-free experience for those who want to earn rewards without thinking about rotating categories or spending limits.

The 15-month 0% APR period provides solid debt payoff flexibility while still offering an excellent flat reward rate. Learn more about this card’s benefits at nowee.org.

“The best balance transfer cards with rewards offer a rare combination: the breathing room to pay down existing debt without interest, plus the ability to earn meaningful returns on new purchases. It’s the financial equivalent of having your cake and eating it too.”

Maximum Time to Pay Off Debt: Cards with Extended 0% Periods

If your primary concern is having the most time possible to pay off existing credit card debt, and you’re less concerned about earning rewards, these cards offer some of the longest interest-free periods available in 2025:

Wells Fargo Reflect® Card: Marathon Debt Payoff Period

• Balance Transfer Offer: 0% intro APR for up to 21 months
• Rewards Structure: None
• Annual Fee: $0
• Why It Stands Out: One of the longest available 0% APR periods on the market

The Wells Fargo Reflect® Card prioritizes debt payoff time over rewards, making it ideal for consumers with larger balances who need maximum time to eliminate their debt interest-free.

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