Best For
Rewards Rate - None
$275 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- Up to ~21 months 0% intro APR on purchases & balance transfers (offer varies)
- Annual fee
- $0
- Regular APR
- 17.24% – 28.99% Variable APR
- Recommended credit
- 660–780 (Fair to Good)
- Travel Perks
- None
Highlights
- Exceptionally long 0% intro APR window on purchases and qualifying balance transfers (variable APR thereafter).
- Cell phone protection when you pay your monthly bill with the card (deductible and limits apply).
- Visa benefits like Roadside Dispatch® and Travel & Emergency Assistance.
- $0 annual fee.
Who is this card good for?
- People focused on paying down existing balances interest‑free within the intro period.
- Shoppers planning a large purchase who want time to repay without interest.
- Users who appreciate built‑in cell phone protection at no annual fee.
Pointalize Opinion
Pros
- One of the longest 0% intro APR offers available.
- Useful cell phone protection benefit.
- $0 annual fee.
Cons
- No ongoing rewards program for everyday spend.
- Balance transfer fees apply and terms vary.
Pointalize Final Thoughts
Reflect is about time, not travel: a long intro 0% APR window to crush debt or fund big buys, plus handy phone protection. Pair it with a rewards card long‑term.