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 eligible balance transfers for 18 months. To make it even better, you can get intro APR extension for three months, for a total of 21 months. All you need to do is make minimum payments on time during the introductory and renewal period.

It’s 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% ($5 minimum) on transfers made within the first 120 days and 5% ($5 minimum) on 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 the right places. In this case, the card has no annual fee.

Mobile phone protection — When you pay your monthly cell phone bill with your qualifying 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 for mobile phone insurance out of pocket as this card already provides protection.

Special offers — Through My Wells Fargo Deals, you can earn cashback credits for shopping, dining and experiences you pay for with your qualifying Wells Fargo card.

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