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• Mon Nov 3 2025

Long 0% intro APR period

If you're in an uphill battle against a mountain of debt, the Wells Fargo Reflect? Card is absolutely a card to consider. The biggest benefit of the card is 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (a go-to 17.99%, 24.49%, or 28.74% Variable APR applies after the intro period). That's one of the longest 0% APR periods you'll find.

That means you'll have nearly two years to pay off your balance without incurring interest. When you're looking to get out from under debt, this card is hard to beat.

$0 annual fee

The Wells Fargo Reflect? Card doesn't charge an annual fee, which makes it easier to keep in your wallet without worrying about extra costs. For those who want to build their credit history or, like me, prefer holding onto a top credit card long term, this is a great perk.

Keeping the card open can also positively impact your credit score by increasing the length of your credit history.

Cellphone protection

Another nice perk of the Wells Fargo Reflect? Card is cellphone protection. If you pay your monthly cellphone bill using the card, you'll be eligible for up to $600 in coverage for theft or damage to your phone. This benefit can be used up to two times a year and is subject to a small deductible.

I've never had to use it, but as a Wells Fargo cardholder I've always loved the idea of this perk -- especially as a frequent phone-dropper and generally clumsy person.