0% intro APR for 21 months (on both purchases and balance transfers) — This is where the Wells Fargo Reflect® Card is hard to beat.
It’s worth noting that the intro APR applies to balance transfers made within the first 120 days of opening the account. 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 after that. 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 protection — When you pay your monthly cellphone bill with your eligible Wells Fargo credit card, you get up to $600 of cellphone protection against damage or theft (subject to a $25 deductible). This is one of those underrated credit card perks. You don’t need to pay for cellphone insurance out of pocket, since this card includes protection already.
Special offers — Through My Wells Fargo Deals, you can earn cash back statement credits on shopping, dining, and experiences that you pay for with your eligible Wells Fargo card.