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A short list for borrowers who occasionally carry a balance. Lower ongoing APR ranges beat the rewards cards designed for transactors. If you pay off the balance every month, rewards cards earn more. If you carry a balance, the interest savings on these will swamp any rewards rate.
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.
