0% per annum for up to 21 months (both purchases and balance transfers) — This is where the Wells Fargo Reflect℠ card is hard to beat. The card starts with 0% initial annual income on purchases and qualifying balance transfers for 18 months. To make it even better, you can get an initial APR extension of up to three months, for a total of 21 months. All you have to do is make the minimum payments on time during the initial and additional periods.
It is worth noting that the introductory annual interest rate applies to balance transfers made within the first 120 days after opening the account. There is also a balance transfer fee of 3% (minimum $5) for transfers made within the first 120 days and 5% (minimum $5) for transfers made after that. These fees are standard for balance transfer credit cards.
No annual fee — The Wells Fargo Reflect℠ Card is designed to help you save money on both credit card interest and other fees. Since this is an annual fee-free card, you do not need to pay an annual fee to use it.
Mobile phone protection — When you pay your monthly mobile phone bill with a qualifying Wells Fargo credit card, you get up to $600 in mobile phone protection (including a $25 deductible). This is one of the underestimated benefits of a credit card. You don’t have to pay for mobile phone insurance out of your pocket and you can be sure that your phone is protected.
Special offers — With My Wells Fargo Deals, you can earn cashback credits for shopping, dining, and entertainment that you pay for with a qualifying Wells Fargo card.