Low Introductory Rate Credit Cards
These credit cards have very attractive introductory interest rates for a period of time, usually between six and twelve months. Be sure to compare the APR after this initial period as you choose your card. Our objective opinion is included on each card.
1. Citi® Platinum Select® MasterCard®
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| Interest Rate: | 11.99% - 21.99%* (Variable)* |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 20 - 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% Intro APR for 21 Months on Balance Transfers*, and 0% Intro APR for 21 Months on Purchases*
Our Opinion: An attractive card if you have good or excellent credit. One of the best intro rates available--0% interest rate for 18 months for balance transfers and 0% for 18 months for purchases. No annual fee. Balance transfer fee is 3% ($5 minimum, no maximum). Cardholder benefits are average compared to other platinum cards and include auto rental insurance, fraud protection services, and retail protection insurance. (Not designed for applicants with average or poor credit).
2. Capital One® Platinum Prestige Credit Card
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| Interest Rate: | 10.9% - 18.9% (V)* |
|---|---|
| Intro Rate: | 0% Intro on Purchases and Balance Transfers Until May 2013 |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% APR on Purchases and Balance Transfers Until May 2013.
Our Opinion: Created for those with excellent credit. No annual fee, low interest rate, and 0% APR on purchases and balance transfers. Benefits include warranties for purchases, auto rental insurance, and roadside assistance and travel accident insurance. No fee for international transactions. Good option for those who are transferring a balance from a higher rate. Click "Apply Now" to apply online or call 877-834-4206.
3. Chase Freedom® MasterCard - $100 Bonus Cash Back + 0% Intro APR
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| Interest Rate: | as low as 11.99% Variable* |
|---|---|
| Intro Rate: | 12 months on balance transfers, 6 months on purchases |
| Grace Period: | 21 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: 0% APR for 12 months on Balance Transfers; 0% APR for 6 months on Purchases
Our Opinion: Created for those with excellent credit who want a cash rewards card. Standard rebates, earn 1% per $1 spent. Earn 5% cash back, on up to $1,500 spent each quarter, in rotating categories such as home improvement, gas, utilities, dining, and department stores. Earn more cash back of you shop at select merchants online through Chase. Earn unlimited rewards; cash rebates do not expire. Limited cardholder benefits. Length of intro period is determined by your application and credit history.
4. Discover® More Card
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| Interest Rate: | 10.99% - 20.99% (V)** |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: *0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%. See terms and conditions for complete details.
Our Opinion: Created for those with very good credit who want a cash reward card. Enroll to earn 5% Cashback Bonus® in rotating categories like travel, gas, restaurants, home, apparel, and movies (categories rotate every 3 months) You must sign up for each 5% program and there is a bonus limit set for each program. Up to 1% rebate on all other purchases. Spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.* Redeem in $50 increments; no limit for amount earned. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Benefits include travel accident insurance, auto rental insurance, and various security and fraud protection services. 15-month intro period for balance transfers but the balance transfer fee is 3%. This card will benefit those who pay off their balance each month, spend at least $3,000 a year (to receive the 1% cash rebate) and use their cashback awards at participating retailers (to receive double cash rebates). (Warning: If your account is closed for any reason or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited).
5. Citi® Diamond Preferred® Card
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| Interest Rate: | 11.99% - 21.99%* (Variable)* |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 20 - 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: *The introductory rate is available on balance transfers for 21 months and on purchases for 21 months.
Our Opinion: Created for those with good credit. One of the longest intro rates available for both purchases and balance transfers. No annual fee and a low interest rates. Balance transfer fee is 3% of transferred amount; $5 minimum.
6. Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
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| Interest Rate: | 12.99% - 22.99%* (Variable)* |
|---|---|
| Intro Rate: | 0% Intro APR for 12 Months* |
| Grace Period: | 20 - 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% Intro APR for 12 months on Balance Transfers and Purchases*
Our Opinion: Created for those with good credit who want a cash rewards card. Earn $100 cash back bonus when you spend $500 or more within the first 3 months. 0% introductory APR for 12 monthly billing cycles for purchases and balance transfers!. 1% cash back on every purchase you make. Earn 5% cash back on categories that rotate each quarter. Earn 5 dividend dollars for every balance transfer you make over $1,500. Earn up to $300 Citi Dividend dollars per calendar year.
7. Citi Simplicity® Card
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| Interest Rate: | 12.99% - 21.99% (Variable)* |
|---|---|
| Intro Rate: | 0% Interest for 21 Months |
| Grace Period: | 20 - 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% Introductory APR for 21 months on both purchases and balance transfers.
Our Opinion: 0% for 18 months on purchases and balance transfers. You will not be charged a late-payment fee for missing a due date and there is no penalty rate. 24/7 live customer service. 3% fee for foreign purchases and balance transfers.
8. Capital One® VentureOne℠ Rewards Credit Card
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| Interest Rate: | 11.9% - 19.9% (V)* |
|---|---|
| Intro Rate: | 0% Intro on Purchases Until February 2013 |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on purchases until February 2013. See terms and conditions for complete details.
Our Opinion: The Capital One® VentureOne(SM) Rewards is for people with excellent credit and is by far one of the best and least costly airline reward cards available. Through the rewards program, cardholders earn 1.25 mile per dollar spent on all purchases. Earn unlimited miles; miles do not expire. Miles are redeemable for flights on any airline with no blackout dates. Also redeem for travel, merchandise, and gift certificates. Miles can also be donated to participating charities. No annual fee. No foreign transaction fee. Click "Apply Now" to apply online or call 877-834-4206.
9. Slate® from Chase - $75 Bonus and Up to 15 Month Intro Duration
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| Interest Rate: | 11.99% - 21.99% variable* |
|---|---|
| Intro Rate: | 15 months for purchases and balance transfers or 6 months balance transfers only |
| Grace Period: | 21 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: 15 months 0% APR on purchases, balance transfers for Elite and Premium pricing. For Standard pricing, 6 months 0% APR for balance transfers only.
Our Opinion: Spend $300 on qualifying transactions within the first three months of account opening and receive a $75 statement credit. These qualifying transactions can include purchases and balance transfers but excludes any cash advances. You will receive a special 0% Introductory APR on purchases, good for 15 months. You can also transfer any high outstanding balances with a 0% Intro APR offer on balance transfers, good for 15 months on new accounts with Elite or Premium pricing and 6 months on new accounts with Standard pricing.
10. Blue Cash Everyday(SM) Card from American Express
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| Interest Rate: | 17.24%-22.24% Variable* |
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| Intro Rate: | 0% intro APR for 12 months. |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% intro APR on purchases for the first 12 months. After this, your regular APR will apply.
Our Opinion: Created for those with good or excellent credit who want a cash back reward card. This cash back rewards program earns you 3% cash back when you shop at supermarkets, 2% cash back on gasoline purchases, and 1% cash back on every other retail purchase that you make. Benefits include purchase protection plan and up to $100,000 in travel accident insurance. However, the high APR makes this a good card only if you pay off your balance each month. Cardholders will earn $25 for each friend and family member they refer that is approved for the Blue Cash Everyday Card from American Express.
11. IberiaBank Visa® Select Card
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| Interest Rate: | 7.50%, 9.50% or 11.50%* |
|---|---|
| Intro Rate: | 0.00% or 7.50% for 12 Months on Purchases |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | $35 |
Special Offers: Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
Our Opinion: Created for those with excellent credit who may occassionally carry a balance.Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles. Applies to balance transfers processed within three months of your account open date. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors. Must be employed by current employer for a minimum of six months. Proof of income is required.
12. IberiaBank Visa® Platinum Rewards Card
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| Interest Rate: | 9.25%, 12.25%, or 15.25%** |
|---|---|
| Intro Rate: | 1.99% APR for 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
Our Opinion: Created for those with very good credit who will use the reward program. Earn 1 point per $1 spent. Use points for travel and gift certificates for participating merchants. Low interest rate for purchases and cash advances, for those who qualify. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.
13. IberiaBank Visa® Gold Cash Back Rewards Card
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| Interest Rate: | 9.25%, 12.25%, or 15.25%** |
|---|---|
| Intro Rate: | 1.99% APR for 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of the account open date.
Our Opinion: Created for those with very good credit who want a cash reward card. Earn 1% rebate per $1 spent. Earn unlimited rebates; rebates do not expire. Low interest rate for those qualify. Same low rate for cash advances. Benefits include travel accident insurance. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.
14. Blue Sky from American Express®
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| Interest Rate: | 17.24%-22.24% Variable* |
|---|---|
| Intro Rate: | 0% intro APR for 12 months. |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% intro APR for 12 months. After that, your regular APR will apply.
Our Opinion: Created for those with very good credit who want a travel reward program. Earn 1 point per $1 spent; points do not expire as long as the card is active and in good standing. Use points for any flight, hotel, car rental or cruise. No blackout dates or restrictions. Points can only be redeemed toward one purchase at a time in 7,500 increments, which is equal to a credit of up to $100. Benefits include auto rental insurance. The APR is high for a travel card so this a good option only if you pay off your balance every month.
15. Capital One® Orbitz® Visa® Platinum
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| Interest Rate: | 13.9% - 19.9% (V)* |
|---|---|
| Intro Rate: | 0% Intro on Purchases Until February 2013 |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on purchases until February 2013. See terms and conditions for complete details.
Our Opinion: The Capital One® Orbitz® Visa® Platinum card is for people with excellent credit who want a travel reward card. Through the reward program, cardholders earn 1 point per dollar spent on general purchases and 3 points per dollar spent on all eligible Orbitz.com travel, hotel, and vacation package bookings. Points are redeemable for flights on any airline with no blackout dates, cash, merchandise, and gift certificates. Points can also be donated to participating charities. This card has no annual fee and an above average interest rate for purchases and balance transfers. This card provides signature benefits such as $0 fraud liability, travel accident insurance, 24-hour travel and emergency assistance and auto rental insurance.
