Twenty-one months of 0% intro APR on both purchases and qualifying balance transfers, with no annual fee, is the whole pitch here, and it is strong enough to put the Reflect at #3 on our Best 0% APR list. That window gives you close to two years to clear existing debt or spread out a large purchase before the regular 17.49% to 28.24% variable APR takes over. Be clear about what you give up in exchange: the card earns no rewards at all, so nothing keeps it in rotation once the intro period ends, and it charges foreign transaction fees, which rules it out for travel. Cell phone protection of up to $600 per claim, limited to two claims per 12 months with a $25 deductible, is the lone ongoing perk. Open it with a payoff schedule already written down, and expect it to go quiet after the 21 months are up.
Earn rates & credits
| Benefit | Value |
|---|---|
Cellular Telephone Protection Up to $600 reimbursement for cell phone damage or theft (up to 2 claims per 12 months, $25 deductible). | $600 |
Card details
Regular APR | 17.49%–28.24% variable |
Intro APR on purchases | 0% for 21 months |
Intro APR on balance transfers | 0% for 21 months |
Foreign transaction fee | Yes |