Wells Fargo Reflect Card Review


0% introductory APR 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 0% introductory APR on purchases and eligible 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. You only need to make minimum payments on time during the initial and extension periods.

It’s worth noting 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% ($5 minimum) on transfers made within the first 120 days and 5% ($5 minimum) on transfers made thereafter. 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 Security — When you pay your monthly cellphone bill with your eligible Wells Fargo credit card, you get up to $600 in cellphone protection against loss or theft (subject to a $25 deductible). This is one of those underrated credit card benefits. You don’t need to pay out-of-pocket for cellphone insurance, as this card already has protection included.

Special Offer — Through My Wells Fargo Deals, you can earn cash back statement credit on purchases, dining and experiences you pay for with your eligible Wells Fargo Card.

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