0% intro APR for up to 21 months (on purchases and balance transfers) — This is where the Wells Fargo Reflect® card is tough to beat. The card starts with a 0% introductory APR on eligible purchases and balance transfers for 18 months. To make it even better, you can get an introductory APR extension for three months, for a total of 21 months. All you have to do is make minimum payments on time during the introductory and extension periods.
It should be noted 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 thereafter. These fee amounts are standard among balance transfer credit cards.
No annual fee — The Wells Fargo Reflect® Card lowers fees in all the right places. For example, the card has no annual fee.
Mobile 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 benefits of credit cards. You don’t need to pay out of pocket for cell phone insurance, as this card already includes protection.
Special offers — Through My Wells Fargo Deals, you can earn cash back statement credits on purchases, restaurants, and experiences you pay for with your eligible Wells Fargo Card.