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 2018’s best 0% interest credit cards, selected from 1.000+ offers:
2018's Best 0% APR Credit Cards:
|Best…||Card Name||Intro APR||Annual Fee||Regular APR|
|Overall||HSBC Gold Mastercard® credit card||0% for 18 months||None||12.24% to 20.24% (V)|
|Runner-Up||U.S. Bank Visa® Platinum Card||0% for 18 months||None||11.24% to 23.24% (V)|
|Third Place||Citi Simplicity® Card||0% for 18 months||None||15.24% to 25.24% (V)|
|Initial Bonus||Chase Freedom Unlimited®||0% for 15 months||$0||16.24% to 24.99% (V)|
|Low Regular APR||Bank of Hawaii Visa Signature® Credit Card with MyBankoh Rewards||0% for 18 months||None||15.23% to 18.23% (V)|
|0% Balance Transfer||Chase Slate®||0% for 15 months||$0||16.24% to 24.99% (V)|
|Student Card||Bank of America® Cash Rewards credit card for Students||0% for 12 months||None||14.24% to 24.24% (V)|
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 2018’s top offers.