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 for three months, for a total of 21 months. All you need to do is make on-time minimum payments during the intro and extension periods.

It’s worth noting that the intro APR applies to balance transfers made within the first 120 days of opening the account. 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 cuts fees in the right places. Case in point, the card has no annual fee.

Cellphone protection — When you pay your monthly cellphone bill with your eligible Wells Fargo credit card, you get up to $600 of cellphone protection against damage or theft (subject to a $25 deductible). This is one of those underrated credit card perks. You don’t need to pay for cellphone insurance out of pocket, since this card includes protection already.

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