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%, or 22.99 (V)
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. Discover it® chrome

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

Credit Profile : Excellent

Editor Rating :

Best Card Features: Introductory offer, fee structure

5. Citi® Diamond Preferred® Card (Visa)

Citi® Diamond Preferred® Card (Visa) Apply Now See Details
Intro Rate: 0% Intro APR for 18 months on purchases and balance transfers*
Interest Rate: 11.99%, 16.99%, or 21.99% Variable
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: Long 0% Intro Period on purchases and balance transfers

6. 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

7. 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

8. 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

9. 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

10. 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%, 16.99% or 20.99%* Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Bonus sign up points, Introductory APR

11. Citi ThankYou® Preferred Card– Low Intro APRs

Citi ThankYou® Preferred Card– Low Intro APRs Apply Now See Details
Intro Rate: 0% intro APR on balance transfers and purchases for 15 months
Interest Rate: 12.99-22.99% (V)
Annual Fee: No annual fee*

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% introductory APR offer on Purchases and Balance Transfers; ThankYou® rewards program, earn points on every eligible purchase, no annual fee.

12. USAA Rate Advantage MasterCard®

USAA Rate Advantage MasterCard® Apply Now See Details
Intro Rate: None
Interest Rate: 6.90% - 23.90% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Low starting APR; No annual fee