Wells Fargo Reflect Card Review

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

It’s worth noting that the introductory 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 thereafter. These fee amounts are standard among balance transfer credit cards.

No annual fee… The Wells Fargo Reflect® Card lowers fees in the right places. In this case, 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 against damage or theft (subject to a $25 deductible). This is one of those underrated credit card benefits. You don’t have to pay out of pocket for cell phone insurance because this card already includes protection.

SPECIAL OFFERS — With My Wells Fargo Deals, you can earn cash back statement credits on purchases, dining and experiences you pay for with your eligible Wells Fargo card.

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