0% intro APR for up to 21 months (for both purchases and balance transfers) – This is where The Wells Fargo Reflect℠ Card is hard to beat. Cards start with 0% introductory APR on purchases and eligible balance transfers for 18 months. To make it even better, you can get your referral APR extended for up to three months, for a total of 21 months. All you need to do is make the minimum payments on time during the referral and renewal period.
It should be noted 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. Those fees are standard in balance transfer credit cards.
No annual fees – The Wells Fargo Reflect℠ card is designed to save you money on both credit card interest and other fees. Since it’s a card that doesn’t charge an annual fee, you don’t need to pay an annual fee to get it.
Mobile protection – When you pay your monthly cell phone bill with your eligible Wells Fargo credit card, you’ll get up to $600 in cell phone protection (subject to the $25 deductible). This is one of those underrated credit card perks. You don’t have to pay out of pocket for phone insurance and you can still rest assured that your phone is protected.
Special offer – Through My Wells Fargo Deals, you can earn cashback statement credits on shopping, dining, and experiences that you pay for with your eligible Wells Fargo card.
