Credit Cards

Best cards for cosmetic procedures

March 27, 2025No Comments1 Min Read

Best cards for cosmetic procedures

Best for a long interest-free repayment period

Wells Fargo Reflect® Card image

Wells Fargo Reflect® Card

4.3

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in our Bankrate review

The Wells Fargo Reflect® Card is one of the best in the game for intro APR offers. New cardholders have 21 months of 0 percent interest to pay off a big purchase before a jump of 17.24%, 23.74%, or 28.99% Variable APR. Ideally, you’ll want to pay off the balance by then.

It’s also a balance transfer card, in case you want to charge your cosmetic procedure to another card for rewards and then transfer the balance to this card. Just keep in mind there’s a 5%, min: $5 balance transfer fee.
Pros

By applying for the card right before a cosmetic procedure, you’ll have 21 months to pay it off with no interest, (then 17.24%, 23.74%, or 28.99% Variable APR).

With good credit, you could potentially secure a lower APR than average once the intro period ends.
Cons

The card doesn’t offer rewards or many other perks.

See also What are co-branded credit cards?

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