In this study, a new lead-free solder, Sn-0.7Cu-0.2Cr (wt.%) alloy, was developed. The mother alloy of Sn-0.7Cu-0.2Cr solder, which has melting temperature of about 231℃, was fabricated and then made by 300 um solder balls. To evaluate the thermo-mechanical reliability of the new solder alloy for automobile electronics, multiple reflows test was performed. As a result of the microstructure analysis, grain size increased with increasing reflow test. And microstructure of Sn-3.0Ag-0.5Cu solder was finest. It was also confirmed that the microstructure of Sn-0.7Cu-0.2Cr solder was finer than Sn-0.7Cu solder by Cr addition. The IMC thickness results show that the presence of Cr in solder inhibits the growth of interfacial Cu 6 Sn 5 layer and Cu 3 Sn layer. Specifically, the shear strength of the Sn-0.7Cu-0.2Cr/Cu solder joints increases by 9% and 22% than that of Sn-3.0Ag-0.5Cu and Sn-0.7Cu solder joints after 10 reflows test at 1m/s shear speed. And brittle fracture rate (%) of Sn-0.7Cu-0.2Cr was lower than Sn-3.0Ag-0.5Cu and Sn-0.7Cu solder after 10 reflows test at 1m/s shear speed.