The new Wells Fargo Reflect℠ Card is an immediate eye-catcher with its headline feature: up to 21 months of 0% intro APR on both purchases and balance transfers all wrapped up in a $0-annual fee package. At first blush that’s an incredible offering: almost 2 years of no interest payments if you’ve got a big purchase on the horizon or if you’re transferring a balance from a high-interest credit card places this card squarely at the top of the heap when it comes to raw interest savings potential.

That debt-busting power comes with a few caveats however, namely that you’ll have to earn it. For both purchases and balance transfers, the 0% intro APR period starts at 18 months with an ongoing 12.99%-24.99% Variable APR after that introductory period is up. If you consistently make all your minimum monthly payments on the card, Wells can grant you an additional 3 months of interest-free use, getting you up to that 21-month sweet spot.

While that may sound like it puts a big asterisk next to this card’s name on our list, it’s actually a feature we really love. Unlike a lot of other upmarket cards, the Wells Fargo Reflect℠ Card rewards you for the thing you should already be doing – paying off your credit card balance month-to-month. Couple that with the aforementioned $0 annual fee and the usual suite of Wells Fargo card benefits (like access to the My Wells Fargo Rewards program to earn statement credit on your everyday purchases) and you have a card that’s an incredibly potent tool to help you get out of credit card debt.