Low Intro Rate Credit Cards

These low introductory rate credit cards have very attractive introductory interest rates for a period of time, usually between twelve to fifteen months. Be sure to compare the APR after this initial period as you choose your card. Our objective opinion is included on each card. The cards are sorted in order of our editor’s opinion.

1. Citi Simplicity® Visa Card

Citi Simplicity® Visa Card Apply Now See Details
Intro Rate: 0%* on purchases and balance transfers for 18 months*
Interest Rate: 12.99-21.99% (V)
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: Introductory 0% APR on purchases AND balance transfers, no annual fee, no late fees.

2. Chase Slate®

Chase Slate® Apply Now See Details
Intro Rate: 0% Intro APR for 15 months
Interest Rate: 12.99%,17.99%, 22.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% intro APR for 15 months plus no balance transfer fees within the first 60 days

3. Discover it®

Discover it® Apply Now See Details
Intro Rate: 0% Intro APR* on purchases and balance transfers for 14 months
Interest Rate: 10.99%-22.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% Intro APR, great cash back opportunities

4. Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card Apply Now See Details
Intro Rate: 0% Intro APR for 18 months on purchases and balance transfers
Interest Rate: 11.99%-21.99% (V)
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% introductory rate, personalized concierge service, no annual fee

5. Chase Freedom®

Chase Freedom® Apply Now See Details
Intro Rate: 0% for 15 Months
Interest Rate: 13.99%-22.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: 15 month 0% intro APR plus $100 bonus after your first $500 in purchases within the first 3 months of cardmembership

6. Citi® Dividend Platinum Select® Visa® Card

Citi® Dividend Platinum Select® Visa® Card Apply Now See Details
Intro Rate: 0%* on purchases and balance transfers for 12 months*
Interest Rate: 12.99-22.99% (V)
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% introductory APR offer, cash back on every purchase, no annual fee

7. Citi Simplicity® MasterCard

Citi Simplicity® MasterCard Apply Now See Details
Intro Rate: 0% APR for 18 months on purchases and balance transfers
Interest Rate: 12.99-21.99% (V)
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% introductory APR offer, no late fees, no penalty rate, no annual fee

8. Simmons First Visa Platinum

Simmons First Visa Platinum Apply Now See Details
Intro Rate: N/A
Interest Rate: 7.25% Variable
Annual Fee: No Annual Fee

Credit Profile : Excellent

Editor Rating :

Best Card Features: Low on-going APR, Travel Benefits

9. The CarnivalTM MasterCard®

The CarnivalTM MasterCard® Apply Now See Details
Intro Rate: 0% APR on all purchases for the first 12 months
Interest Rate: 13.99-20.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Bonus sign up points, Introductory APR

10. Upromise World MasterCard®

Upromise World MasterCard® Apply Now See Details
Intro Rate: 0% intro APR for the first 12 billing cycles
Interest Rate: 12.99 or 20.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Cash back program; College savings plan