The Wells Fargo Reflect® Card’s offerings are a bit more limited than the competition, but if you’re looking for a top balance transfer card with an especially long intro APR offer, you’ll want to take a look at this card. It offers one of the longest intro APR periods on the market, as well as a $0 annual fee.

Wells Fargo Reflect credit card benefits

The Wells Fargo Reflect card offers a long list of benefits that can make it a great fit for cardholders, including:

0% intro APR

With the Wells Fargo Reflect credit card, you can make purchases and transfer qualifying balances to the card at a 0 percent intro APR for up to 21 months. You’ll get a 0 percent intro APR for 18 months from account opening on purchases and qualifying balance transfers, with an intro APR extension of up to 21 months with on-time minimum payments during the intro period (17.24 percent to 29.24 percent variable APR thereafter). Balance transfers made within 120 days qualify for the intro rate and a balance transfer fee of 3 percent (min. $5) applies (then a transfer fee of up to 5 percent).

No annual fee

Wells Fargo waives the annual fee on its Reflect credit card.

Cellphone protection

With the Wells Fargo Reflect card, you’re covered against eligible damage or theft for up to $600 per claim and up to $1,200 per cardholder account per 12-month period, with a $25 deductible.

Visa Traditional benefits

The Reflect card offers standard Visa Traditional benefits such as emergency cash disbursement, card replacement and travel and emergency assistance. It also includes a 24/7 pay-per-use roadside dispatch service, which can come in handy if you’re on a road trip and you run out of fuel or break down.

Mobile app benefits

Take advantage of the Wells Fargo mobile app features, including scheduled payments and notifications when your balance is high.

How to maximize the Wells Fargo Reflect’s benefits

The Wells Fargo Reflect credit card can help you save money on some of your day-to-day purchases, as long as you take advantage of the benefits you receive. Here are some ways you can take advantage of your Wells Fargo Reflect credit card benefits:

  • Get more value from special offers. Wells Fargo offers online discounts to cardholders via My Wells Fargo Deals. You can get cash back as account credit from participating retailers for a limited time when you sign up for these card-linked offers in your Reflect account.
  • Transfer a balance or make a large purchase. If you need to buy a big-ticket item such as a replacement appliance or a piece of furniture, you can pay it off during the card’s intro APR period. You can also save on interest charges by moving a balance from an existing card you own to the Wells Fargo Reflect. Just be sure to pay your entire balance off before the introductory period ends, or you’ll be charged interest on any remaining balance.

The bottom line

The Wells Fargo Reflect card has a number of perks, including an introductory APR, card-linked cash back offers and cellphone protection. If you have good credit and are looking for a Wells Fargo card with no annual fee, the Reflect could be the right choice.