Best of the counter cream for phimosis?

Here are some ... What you have is probably just a long redundant retractable foreskin, to which topical application for infection / inflammation is possible. The common OTC agent is antifungal cream with or without steroid - 1% hydrocortisone. You may try it but consult Doc as needed for unforeseen events. But for long overall health, don't ignore practicing low-risk healthy lifestyle without obsession. Best wish.
1% hydrocortisone. Available in some drug stores or check via google.Com. Most effective creams are prescription strength such as 0.1% Betamethasone or kenalog (triamcinolone). Best of luck, however, cream may not necessarily work at your age, and definitely won't work if phimosis is scarred, in which case circumcision or prepucioplasty will be required. This should be covered by medical insurance.