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. Capital One® No Hassle Miles(SM) Rewards - Excellent Credit
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| Interest Rate*: | 13.90% Variable |
|---|---|
| Intro Rate: | 0% on Purchases Until November 2010 |
| Grace Period: | 25 Days |
| Credit Limit: | N/A |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on purchases until November 2010. See terms and conditions for complete details.
Our Opinion: The Capital One® No Hassle Miles(SM) Rewards - Visa® Excellent 1x - 2x Miles 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 mile per dollar spent on all purchases and two miles for each dollar spent above $1,000. 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.
2. Discover® More(SM) Card
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| Interest Rate*: | As low as 11.99% |
|---|---|
| Intro Rate: | 0% Intro APR |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up to 6 months. 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 categories like travel, gas, restaurants, home, apparel, and movies (categories rotate every 3 months). Those who 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. 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).
3. Citi® Platinum Select® MasterCard®
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| Interest Rate*: | As low as 11.99% V |
|---|---|
| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: The introductory rate is available on purchases and balance transfers for 6 months.
Our Opinion: An attractive card if you have good or excellent credit. Offers 0% interest rate for up to 6 months on purchases and balance transfers. No annual fee. Balance transfer fee is 3% ($5 minimum, no maximum). Platinum cardholder benefits include auto rental insurance, fraud protection services, and retail protection insurance. (Not designed for applicants with average or poor credit)
4. Miles by Discover® Card
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| Interest Rate*: | as low as 11.99% |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: *There is a 0% introductory APR on purchases and balance transfers for 6 months. See terms and conditions for complete details.
Our Opinion: Created for those with good credit who want a travel reward card with a low interest rate. Earn 1 mile per $1 spent on regular purchases. Redeem miles for reduced or free airfare most major U.S. airlines (no blackout dates). Receive 12,000 bonus miles. Double Miles on up to $3,000 in restaurant and travel purchases each year. Earn up to 60,000 miles per year; unused miles will expire in 3 years if the account is inactive. 30,000 miles for round-trip coach ticket. You can also redeem miles for cash, merchandise or gift cards such as $100 Home Depot gift card (14,400 miles) or 1 night stay at a Marriott Hotel (14,900 miles). Benefits include travel accident insurance (up to $500,000), and auto rental insurance. This card will benefit those who will spend over $3,000 per year (to get the 1% cash rebate), and will pay in full each month. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
5. Capital One® No Hassle Miles(SM) Rewards - Good Credit
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| Interest Rate*: | 16.90% Variable |
|---|---|
| Intro Rate: | 0% on Purchases Until November 2010 |
| Grace Period: | 25 Days |
| Credit Limit: | N/A |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on purchases until November 2010. See terms and conditions for complete details.
Our Opinion: Created for those with above average credit, this card has one of the best and least expensive airline reward programs. Earn 1.25 miles per $1 on all purchases. Use miles for flights on any airlines. No blackout dates and no seat restrictions. Earn unlimited miles and miles do not expire. Fly free on any airline to any destination. Benefits include extended warranties for purchases, roadside assistance and travel accident insurance. No annual fee. No foreign transaction fee.
6. Chase Freedom(SM) Credit Card
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| Interest Rate*: | As low as 13.24% |
|---|---|
| Intro Rate: | 0% APR for 12 Months* |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: *The introductory APR for purchases is 0% for the first 12 billing cycles for Elite and Premium Pricing, and 0% for the first 6 billing cycles for Standard Pricing.
Our Opinion: Created for those with excellent credit who want a cash rewards card. Earn 3% cash back in rotating categories such as home improvement, gas and department stores. Earn more cash back of you shop at select merchants online through Chase. Standard rebates--Earn 1% per $1 spent. Earn unlimited rewards, cash rebates do not expire. $50 cash back bonus after your first purchase or first use of the card. Limited cardholder benefits. Length of intro period is determined by your application and credit history. If you qualify for Elite and Premium Pricing, you will receive a 0% APR on purchases and balance transfers for the first 6 billing cycles following the opening of the account. If you qualify for Standard Pricing, you will receive a 0% APR on balance transfers for the first 6 billing cycles of the account opening.
7. Slate(SM) from Chase
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| Interest Rate*: | As low as 13.24% |
|---|---|
| Intro Rate: | 0% APR for 12 Months* |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | Data |
| Annual Fee: | None |
Special Offers: *For Elite and Premium Pricing, the intro APR for purchases and balance transfers is 0% for the first 12 billing cycles. For Standard Pricing, the intro APR for balance transfers is 0% for the first 6 billing cycles.
Our Opinion: Slate with Blueprint (SM) gives you the ability to desigh your own payment plan. There are four ways to pay off your balance--Full Pay, Split Pay, Finish It and Track It. Full Pay allows you to avoid paying interest on everyday items, such as gas and groceries, when you pay them in full each month. These are automatically separated on your billing statement. Split Pay allows you to pay off larger purchases on your own terms, you set a goal date or monthly payment and these items will be separated on your statement. Finish It enables you to pay down your total balance faster by selecting a goal date or monthly payment. Track It allows you to see your spending trends and monitor your payment progress in real time. Length of intro period is determined by your application and credit history. If you qualify for Elite and Premium Pricing, you will receive a 0% APR on purchases and balance transfers for the first 6 billing cycles following the opening of the account. If you qualify for Standard Pricing, you will receive a 0% APR on balance transfers for the first 6 billing cycles of the account opening.
8. IberiaBank Visa® Gold Cash Back Rewards Card
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| Interest Rate*: | As low as 9.75%* |
|---|---|
| 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.
9. IberiaBank Visa® Platinum Rewards Card
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| Interest Rate*: | As low as 9.75%* |
|---|---|
| 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.
10. IberiaBank Visa® Select Card
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| Interest Rate*: | 8.75% |
|---|---|
| Intro Rate: | 8.75% APR for 12 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | $45 |
Special Offers: 8.75% APR on Purchases and Balance Transfers for the first 12 billing cycles. Applies to balance transfers processed within 3 months of account open date.
Our Opinion: Created for those with excellent credit who may occassionally carry a balance.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.
