Reflect® from Wells Fargo

The Reflect® card from Wells Fargo offers a competitive introductory APR of 0.00% for 21 months on both purchases and balance transfers, making it an attractive option for those looking to manage their finances or consolidate debt. Following the introductory period, the APR ranges from 18.24% to 29.99%, depending on the cardholder's creditworthiness. Additionally, the card provides up to $600 of cell phone protection against damage or theft, subject to a $25 deductible, offering peace of mind for mobile device users.

While the Reflect® card doesn't offer rewards earning rates or statement credits, its focus on introductory APR benefits and cell phone protection makes it a practical choice for individuals seeking financial flexibility and protection. With no annual fee and a recommended FICO credit score range of 670 to 850, this card caters to a wide range of consumers looking for a straightforward credit card option.