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Key takeaways
- The Wells Fargo Mirror® Card comes with one of many longest intro APR presents for steadiness transfers in the marketplace, making it a prime steadiness switch card to contemplate.
- This card comes with no annual price and presents cellphone safety, roadside dispatch and nil legal responsibility safety to cardholders.
- Though the cardboard does not include a rewards program, you possibly can activate presents via My Wells Fargo Offers to earn assertion credit on limited-time service provider offers.
Should you’re searching for a prime steadiness switch bank card, the Wells Fargo Mirror® Card must be in your checklist of concerns. It comes with one of many longest intro APR presents for steadiness transfers in the marketplace, together with no annual price and key safety advantages.
Wells Fargo Mirror intro APR advantages
Intro APR provide on steadiness transfers
The principle characteristic of the Wells Fargo Mirror is its lengthy intro APR provide on steadiness transfers. Particularly, you’ll get a 0 p.c intro APR for 21 months from account opening on qualifying steadiness transfers (then a variable APR of 18.24 p.c, 24.74 p.c or 29.99 p.c). Be aware that steadiness transfers should be made throughout the first 120 days of account opening to qualify for the intro APR provide, and also you’ll pay a steadiness switch price of 5 p.c (minimal $5) on every switch.
Should you want as a lot time as doable to repay bank card debt, this is likely one of the longest presents you’ll see in the marketplace. However in case you don’t want 21 months to repay your debt, different bank cards that provide a shorter intro APR provide however ongoing rewards might be a greater match on your wants.
Intro APR provide on purchases
The cardboard extends its 0 p.c intro APR to new purchases for 21 months from account opening. After that, the identical variable APR applies: 18.24 p.c, 24.74 p.c or 29.99 p.c. Should you join the cardboard to repay current bank card debt with a steadiness switch, nonetheless, it’s greatest to not add to your steadiness with new spending.
Wells Fargo Mirror safety advantages
Cellphone safety
The cardboard presents cellphone safety towards harm or theft on as much as $600 per declare for a most of two claims per 12 months. It means the profit may provide a complete of $1,200 in annual protection (minus a $25 deductible utilized to every declare), although it doesn’t cowl cellphones you lose. And you need to pay your cellphone invoice along with your Wells Fargo Mirror card every month on your telephone to be eligible for this profit.
Zero legal responsibility safety
It is a normal bank card profit, however it’s necessary to know that you simply gained’t be held accountable for unauthorized transactions in your card. Simply make sure you report your misplaced card or unauthorized costs as quickly as doable.
Wells Fargo Mirror automobile advantages
Roadside dispatch
This card comes with 24/7, pay-per-use entry to roadside dispatch help, which offers emergency roadside help like towing or locksmith providers once you want it.
Auto rental collision harm waiver
This profit covers you and approved drivers in case you expertise a qualifying accident or theft whereas driving your rental automobile. To obtain auto rental protection, you’ll must pay on your automobile rental along with your Wells Fargo Mirror card and decline the rental automobile firm’s insurance coverage.
Wells Fargo Mirror rewards advantages
Entry to My Wells Fargo Offers
My Wells Fargo Offers permits you to earn money rewards on activated, limited-time presents with taking part retailers. Log in to your account to see which presents can be found to you, after which activate the presents you’re fascinated by to obtain rewards within the type of assertion credit. Learn the superb print to be sure to can meet any provide’s phrases and earn money rewards earlier than the deal expires.
Maximizing the Wells Fargo Mirror
To get essentially the most out of your Wells Fargo Mirror card, make sure that to:
- Benefit from the intro APR provide for steadiness transfers. Switch your balances throughout the first 120 days to make use of the intro APR provide. After the 120 days are up, the intro APR provide expires and the traditional variable APR applies.
- Pay your cellphone invoice along with your card. To obtain the cellphone safety profit — price as much as $600 per declare for as much as two claims every year — you’ll must pay your cellphone invoice along with your Wells Fargo Mirror card every month.
- Activate presents via My Wells Fargo Offers. This buying portal is a good way to get extra worth out of your card long run, since you possibly can earn money rewards by buying with taking part retailers. Simply make sure you make purchases you’d usually make anyway.
The underside line
Should you’re searching for a bank card with an extremely lengthy intro steadiness switch provide and also you’re not involved with incomes rewards after the intro APR interval ends, then the Wells Fargo Mirror might be price including to your pockets. With an distinctive introductory APR on each steadiness transfers and purchases, this card is difficult to beat if paying off current debt of a serious buy over time is your major objective. However in case you can efficiently handle your debt with a shorter intro APR provide, search for a rewards card that additionally options an intro APR provide in order that the cardboard will give you the results you want past the intro interval. Examine extra of the most effective 0 p.c APR playing cards right here.
