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 Best travel credit cards with no annual fee

cards cosmetic procedures

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