The best 0% credit cards all have two things in common: no annual fee and an unusually long 0% intro period. Your goal is to minimize the total cost of a big-ticket purchase, after all, not just to save on interest. And since regular APRs are so high already – the average card charges 18.16% – your best bet is to repay your entire balance during a card’s 0% term.
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.
Here Are 2017’s Best 0% Credit Cards for Big-Ticket Purchases
|Rank||Card Name||Intro APR||Annual Fee||Regular APR||Credit Required||Editors’ Rating|
|1||Citi® Diamond Preferred® Card||0% for 21 months||$0||13.49% - 23.49% (V)||Good||5 Stars|
|2||Citi Simplicity® Card||0% for 21 months||$0||14.49% - 24.49% (V)||Good||4.9 Stars|
|3||Bank of Hawaii Visa Signature® Card||0% for 18 months||$0||14.73% - 17.73% (V)||Excellent||4.7 Stars|
|4||Bank of Hawaii American Express® Card||0% for 18 months||$0||14.73% - 17.73% (V)||Excellent||4.7 Stars|
|5||HSBC Platinum Credit Card||0% for 18 months||$0||13.74% - 23.74% (V)||Excellent||4.6 Stars|
|Best for Good Credit||Chase Slate®||0% for 15 months||$0||15.74% - 24.49% (V)||Good||5 Stars|
|Best for Students||BankAmericard Cash Rewards™ for Students Credit Card||0% for 12 months||$0||13.74% - 23.74% (V)||Limited||5 Stars|
If you’re in the market for a 0% 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 the market’s top offers. And without further ado…
Here Are 2017’s Best 0% Credit Cards for Balance Transfers
|Rank||Card Name||Intro APR||Transfer Fee||Regular APR||Annual Fee||Min. Credit Needed||Editors’ Rating|
|1||Chase Slate®||0% for 15 months||$0 for the first 60 days||15.74% - 24.49% (V)||$0||Good||5 Stars|
|2||Barclaycard Ring™ Mastercard®||0% for 15 months (for transfers made in the first 45 days)||$0||13.74% (V)||$0||Excellent||4.7 Stars|
|3||Santander Bank Sphere Credit Card||0% for 12 months on purchases
24 months on transfers
|4%||12.99% - 22.99% (V)||$0||Excellent||4.4 Stars|
|4||Citi® Diamond Preferred® Card||0% for 21 months||3%||13.49% - 23.49% (V)||$0||Good||5 Stars|
|5||Citi Simplicity® Card||0% for 21 months||3%||14.49% - 24.49% (V)||$0||Good||4.9 Stars|
You can learn more about these offers from WalletHub’s complete review of the year’s best balance transfer credit cards.