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® map is hard to beat. The card starts with a 0% intro APR on purchases and qualifying balance transfers for 18 months. To make things even better, you can get an intro APR renewal for up to three months, for a total of 21 months. All you need to do is make minimum payments on time during the introductory and renewal periods.

It is worth noting 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% (minimum $5) for transfers made within the first 120 days and 5% (minimum $5) for transfers made after that. Those fee amounts are standard with balance transfer credit cards.

No annual fees — The Wells Fargo Reflect® card cuts costs in all the right places. For example, the card has no annual fee.

Cell phone protection — When you pay your monthly cell phone bill with your eligible Wells Fargo credit card, you get up to $600 in cell phone protection (subject to a $25) deductible. This is one of those underrated credit card perks. You do not have to pay the mobile insurance out of your own pocket, as this card already offers protection.

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

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