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These cards exist for one job. Move a high-APR balance over, pay it down at 0% for 15 to 21 months, and close the rate spread. They are not rewards cards. The balance-transfer fee, usually 3% to 5%, is the cost you trade for the interest savings.
One of the few no-annual-fee cards that pays 5% on categories most issuers ignore, such as home utilities and cell phone bills. It only works if you remember to re-select your categories every quarter, because unselected spending drops to 1%.
A $100 airline credit and a $120 Global Entry credit beat the $95 fee. PenFed stopped waiving that fee for military members and checking customers on September 28, 2026. PenFed points are worth $0.0085 to $0.01 each with no transfer partners, and the Priority Pass membership still charges $35 per lounge visit.
Reflect isn't a rewards card, it's a debt-payoff tool. The 21-month 0% intro APR on purchases and balance transfers is among the longest available, and the tradeoff is simple: no bonus, no earn rate, just nearly two years to pay down a balance interest-free.
A debt-payoff card, not a rewards card. The 21-month transfer window is the entire point.
