The Reflect is a single-purpose card and it is honest about it: 21 months of 0% intro APR on purchases and on qualifying balance transfers, with no annual fee, which is enough runway to clear a real balance or spread a large purchase over nearly two years. That length is why it lands at #3 on our Best 0% APR list. The tradeoff is total, because this card earns no rewards at all, so there is nothing to fall back on once the intro window closes and the rate resets into the 17.49% to 28.24% range. Cell phone protection of up to $600 when you pay your bill with the card is the lone ongoing perk, and it comes with a $25 deductible and a two-claim annual limit. It also charges a foreign transaction fee, so leave it home when you travel abroad. Open it with a payoff plan and expect to retire it when the plan is done.
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 |