The best 18-month interest free credit card is the Wells Fargo Platinum Visa because it offers 0% for 18 months on purchases and 0% for 18 months on qualifying balance transfers on balance transfers. There’s a balance transfer fee of 3% for 120 days, then 5% after that, and the annual fee is $0.
Another good option is the U.S. Bank Visa Platinum card. It offers 0% for 20 months on purchases and 0% for 20 months on balance transfers. Its balance transfer fee is 3% (min $5). The annual fee is $0.
In addition, some store credit cards offer interest-free periods of 18 months or more. But that’s typically deferred interest rather than true 0% interest. If you don’t pay by the time the intro period expires, you owe interest from the date of purchase at the regular APR.
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