0% intro APR for as much as 21 months (on each purchases and steadiness transfers) — This is the place the Wells Fargo Reflect® Card is difficult to beat. The card begins with a 0% intro APR on purchases and qualifying steadiness transfers for 18 months. To make it even higher, you will get an intro APR extension for 3 months, for a complete of 21 months. All you could do is make on-time minimal funds throughout the intro and extension intervals.

It’s value noting that the intro APR applies to steadiness transfers made throughout the first 120 days of opening the account. There can also be a steadiness switch charge of three% ($5 minimal) on transfers made throughout the first 120 days and 5% ($5 minimal) on transfers made after that. Those charge quantities are commonplace amongst steadiness switch bank cards.

No annual charge — The Wells Fargo Reflect® Card cuts charges in the suitable locations. Case in level, the cardboard has no annual charge.

Cellphone safety — When you pay your month-to-month cellphone invoice together with your eligible Wells Fargo bank card, you rise up to $600 of cellphone safety in opposition to harm or theft (topic to a $25 deductible). This is a kind of underrated bank card perks. You needn’t pay for cellphone insurance coverage out of pocket, since this card consists of safety already.

Special gives — Through My Wells Fargo Deals, you possibly can earn money again assertion credit on procuring, eating, and experiences that you just pay for together with your eligible Wells Fargo card.