Wells Fargo Reflect Card Review

0% intro APR for up to 21 months (on both purchases and balance transfers) — This is where The Wells Fargo Reflect® Card is hard to beat. The card starts with a 0% intro APR on purchases and qualifying balance transfers for 18 months. To make it even better, you can get an intro APR extension of up to three months, for a total of 21 months. All you have to do is make minimum payments on time during the intro and extension period.

It’s important to note that the intro APR applies to balance transfers made within the first 120 days of account opening. There is also a balance transfer fee of 3% ($5 minimum) on transfers made within the first 120 days and 5% ($5 minimum) on transfers made thereafter. Fee amounts are common with balance transfer credit cards.

No annual fee — The Wells Fargo Reflect® Card cuts fees in the right places. In that case, the card has no annual fee.

Cell phone protection — When you pay your monthly cellphone bill with your eligible Wells Fargo credit card, you’ll get up to $600 in cellphone protection (subject to a $25 deductible). This is one of the underrated credit card perks. You don’t have to pay for cellphone insurance out of pocket, because this card already comes with protection.

Special offers — Through My Wells Fargo Deals, you can earn cash back statement credits on shopping, dining and experiences you pay for with your eligible Wells Fargo card.