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How This Card Works
With the Wells Fargo Reflect Card, new applicants receive an interest-free promotional financing offer for 18 months on both new purchases and qualifying balance transfers. To qualify, a balance transfer must be made within 120 days of account opening.
However, if you make your minimum payments on-time during those initial 18 months, then your introductory financing offer can extend to as long as 21 months, so long as you continue to make at least the minimum payment on time. This is currently the only credit card that offers such an extension to its promotional financing offer. And if you receive the full 21 months of 0% financing, it will be the longest promotional financing offer available. The next best offer from a card issued by a major bank is the U.S. Bank Visa® Platinum card, which features 20 months of interest free financing on both new purchases and balance transfers.
Otherwise, this is a very simple card, with no sign-up bonus and no rewards offered. And while it doesn’t include many benefits, you do receive up to $600 of cell phone protection against theft and damage when you pay your monthly bill with your card. There’s no annual fee for this card, but there is a 3% balance transfer fee and a 3% foreign transaction fee.