Wells Fargo Reflect®

Pros

✅ No annual fee

✅ Generous introductory APR offer for 21 months on purchases and balance transfers

✅ Cell phone protection benefit for damage or theft (up to $600 per claim, $25 deductible)

✅ Potentially lower ongoing APR compared to other cards

Cons

❌ No rewards program to provide ongoing value

❌ High balance transfer fee (5%, minimum $5)

❌ Foreign transaction fee (3% of each transaction converted to U.S. dollars)

❌ Limited additional benefits or perks

❌ No sign-up bonus