Of course, you’ll also need to confirm that you can qualify for whichever 0% card you choose. If you don’t know how good your credit is, you can check your credit score for free on WalletHub.
Keep those guidelines in mind as you compare offers, and you’ll be well on your way to saving money on interest. Plus, our editors have some suggestions to get you started. Here are WalletHub’s picks for 2017’s best 0% interest credit cards, selected from 1.000+ offers:
Here are 2017’s best 0% APR credit cards:
|Best…||Card Name||Intro APR||Annual Fee||Regular APR||Credit Required||Editors’ Rating|
|Overall||Citi® Diamond Preferred® Card||0% for 21 months||$0||13.99% - 23.99% (V)||Good||5 Stars|
|Runner-Up||Citi Simplicity® Card||0% for 21 months||$0||14.99% - 24.99% (V)||Good||4.9 Stars|
|Low Regular APR||Bank of Hawaii Visa Signature® Card||0% for 18 months||$0||14.73% - 17.73% (V)||Excellent||4.7 Stars|
|0% Balance Transfer||Barclaycard Ring™ Mastercard®||0% for 15 months (for transfers made in the first 45 days)||$0||13.99% (V)||Excellent||4.7 Stars|
|Student Card||BankAmericard Cash Rewards™ for Students Credit Card||0% for 12 months||$0||13.99% - 23.99% (V)||Limited||4.5 Stars|
If you’re in the market for a 0% interest credit card to reduce the cost of existing debt, your approach should be a bit different. You should still prioritize cards with long 0% intro periods and no annual fees. But you’ll also need to consider each card’s balance-transfer fee and regular APR.
The easiest way to evaluate the total cost of a balance transfer credit card is to use a balance transfer calculator. That’s how our editors compared hundreds of 0% balance transfer credit cards to identify 2017’s top offers.