The Wells Fargo Reflect® Card, notable for its absence of an annual fee, offers new cardholders an industry-leading introductory period that’s particularly advantageous for managing and paying down balances. It’s important to note the limited time frame for balance transfers to benefit from the introductory APR.
Rewards: Enjoy 5% cash back on up to $1,500 in categories that change every quarter (activation required), 5% back on travel booked through Chase Ultimate Rewards®, 3% back on dining and drugstore purchases, and 1% back on all other purchases.
Annual Fee: This card comes with no annual fee.
Balance Transfer Feature: Benefit from a 0% introductory APR for 21 months from account opening on purchases and qualifying balance transfers. After this period, a variable APR of 18.24%, 24.74%, or 29.99% will apply. Balance transfers completed within the first 120 days are eligible for the intro APR, accompanied by a balance transfer fee of 5%, with a minimum of $5.
Balance Transfer Fee: The fee for balance transfers is 5%, with a minimum charge of $5.
Additional Perks and Considerations: Additional Advantages and Considerations: This card also provides up to $600 in cell phone protection (with a $25 deductible) when the monthly bill is paid using the card. Moreover, cardholders gain access to roadside dispatch services, adding another layer of convenience and security.