The Reflect is built for one job: 21 months of 0% intro APR on both purchases and qualifying balance transfers, with no annual fee. That runway is long enough to make it one of our top 0% APR picks, and it gives you close to two years to pay down existing debt or spread out a big purchase without interest piling up. The tradeoff is that the card earns no rewards at all, so there is no cash back or points to keep it in rotation once the intro period ends and the regular 17.49% to 28.24% APR kicks in. Cell phone protection of up to $600 per claim, with a $25 deductible, is the only ongoing perk, and the foreign transaction fee makes it a poor travel companion. Open it for the 0% window, stick to a payoff plan, and plan on a different card for everyday spending.
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 |