Wells Fargo Reflect Card Review

0% intro APR for up to 21 months (both on purchases and balance transfers) — This is where the Wells Fargo Reflect card simply can’t be 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. You only need to make minimum payments on time during the introduction and extension periods.

It is worth noting that the intro APR is applicable on balance transfers done 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 after that. Those fee amounts are standard among balance transfer credit cards.

No Annual Fee — The Wells Fargo Reflect Card is designed to help you save money on both credit card interest and other fees. Since this is a no annual fee card, you do not need to pay an annual fee to get it.

Cellphone Security – When you pay your monthly cellphone bill with your eligible Wells Fargo credit card, you get up to $600 in cellphone protection (subject to a $25 deductible). This is one of those underrated credit card perks. You don’t need to pay out-of-pocket for cellphone insurance, and you can still have peace of mind that your phone is protected.

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

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