Keep those guidelines in mind when comparing our editors’ selections for the best 0% credit cards, below. If you don’t know how good your credit is, you can check your credit score for free on WalletHub.
2017’s Best 0% Credit Cards for Big-Ticket Purchases
|Rank||Card Name||Intro Rate||Annual Fee||Regular APR||Credit Required||Editors’ Rating|
|1||Citi® Diamond Preferred® Card||0% for 21 months||$0||13.24% - 23.24%||Excellent||5 Stars|
|2||Citi Simplicity® Card||0% for 21 months||$0||14.24% - 24.24%||Excellent||4.9 Stars|
|3||Bank of Hawaii Visa Signature® Card||0% for 18 months||$0||14.48% - 17.48%||Excellent||4.7 Stars|
|4||Bank of Hawaii American Express® Card||0% for 18 months||$0||14.48% - 17.48%||Excellent||4.7 Stars|
|5||HSBC Platinum Credit Card||0% for 18 months||$0||13.49% - 23.49%||Excellent||4.6 Stars|
|Best for Good Credit||Chase Slate®||0% for 15 months||$0||15.49% - 24.24%||Good||5 Stars|
|Best for Students||BankAmericard Cash Rewards™ for Students Credit Card||0% for 12 months||$0||13.49% - 23.49%||Limited||5 Stars|
If you’re in the market for a 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 how each card’s balance-transfer fee and regular APR will affect your overall costs, based on your expected repayment timeline.
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 the market’s top offers. And without further ado, here are WalletHub’s best 0% credit cards for balance transfers:
2017’s Best 0% Credit Cards for Balance Transfers
|Rank||Card Name||Intro Offer||Transfer Fee||Regular APR||Annual Fee||Min. Credit Needed||Editors’ Rating|
|1||Chase Slate®||0% for 15 months||$0 for the first 60 days||15.49% - 24.24% (V)||$0||Good||5 Stars|
|2||Barclaycard Ring™ Mastercard®||0% for 15 months (for transfers made in the first 45 days)||$0||13.49% (V)||$0||Excellent||5 Stars|
|3||Santander Bank Sphere Credit Card||0% for 24 months||4%||12.99% - 22.99% (V)||$0||Excellent||4.4 Stars|
|4||Citi® Diamond Preferred® Card||0% for 21 months||3%||13.24% - 23.24% (V)||$0||Excellent||5 Stars|
|5||Citi Simplicity® Card||0% for 21 months||3%||13.49% - 23.49% (V)||$0||Excellent||4.9 Stars|
You can learn more about these offers from WalletHub’s complete review of the year’s best balance transfer credit cards.
Last but not least, if you’d like to come to your own conclusions about what the best 0% credit card is, the following tips should come in handy.