0% Intro APR for up to 21 months (both on purchases and balance transfers) — This is where the Wells Fargo Reflect® Card is hard to beat. The card starts with 0% intro APR on purchases and eligible balance transfers for 18 months. To make it even better, you can get an intro APR extension for three months for a total of 21 months. All you have to do is make the minimum payment during the initiation and extension period.
It is 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) for transfers within the first 120 days and 5% ($5 minimum) on transfers thereafter. These fee amounts are standard among balance transfer credit cards.
No annual fee — The Wells Fargo Reflect® Card reduces fees in the right places. In case, the card has no annual fee.
Cellphone Protection — When you pay your monthly cellphone bill with your eligible Wells Fargo credit card, you’ll 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 have to pay for cellphone insurance out of pocket, as this card already includes protection.
Special offer — With My Wells Fargo Deals, you can earn cash back statement credits on shopping, dining and experiences you pay for with your eligible Wells Fargo Card.
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