0% intro APR for up to 21 months (both purchase and balance transfer)- This is a difficult place to beat the Wells Fargo Reflect ℠ card. This card begins with a 0% intro APR for 18 months of purchases and eligible balance transfers. For further improvement, you can get an intro APR extension for up to 3 months, for a total of 21 months. All you need to do is make a minimum payment on time during the intro and extension period.
Please note that the Intro APR applies to balance transfers made within 120 days of opening an account. There is also a 3% (minimum $ 5) balance transfer fee for transfers made within the first 120 days and a 5% (minimum $ 5) transfer fee for subsequent transfers. These fees are standard for balance transfer credit cards.
There is no annual fee- The Wells Fargo Reflect ℠ Card reduces fees where appropriate. As a good example, the card has no annual fee.
Mobile Phone Protection- Pay your monthly mobile invoice with an eligible Wells Fargo credit card for up to $ 600 in mobile protection ($ 25 deduction). This is one of the undervalued credit card benefits. This card already includes protection so you don’t have to pay your mobile phone insurance premiums at your own expense.
Special offer- Earn cashback statement credits for shopping, dining and experiences paid with eligible Wells Fargo Cards through My Wells Fargo Deals.