0% introduced APR for up to 21 months (purchase and balance transfer) – This is where the Wells Fargo Reflect℠ card simply cannot beat. The card has an initial annual interest rate of 0%, which is used for purchases and eligible balance transfers for 18 months. To make it better, you can get an introductory APR extension of up to three months, for a total of 21 months. All you need to do is to pay the minimum fee on time during the introduction and expansion period.
It is worth noting that the introductory APR applies to balance transfers made within 120 days of opening an account. Transfers made within the first 120 days will also be charged a 3% (minimum USD 5) balance transfer fee, and subsequent transfers will be charged a 5% (minimum USD 5) balance transfer fee. The amount of these fees is standard in balance transfer credit cards.
No annual fee—— The Wells Fargo Reflect℠ card is designed to help you save on credit card interest and other charges. Since it is a card with no annual fee, you can have it without paying an annual fee.
Mobile phone protection—— When you use an eligible Wells Fargo credit card to pay your monthly mobile phone bill, you will receive up to $600 in mobile phone protection (a deductible of $25 is required). This is one of the underrated credit card benefits. You don’t need to pay for mobile phone insurance out of your pocket, you can still sit back and relax and your phone is protected.
special promotion – With My Wells Fargo Deals, you can earn cash back statement points for shopping, dining, and experiences that you pay for with an eligible Wells Fargo card.