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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®

Citi® Platinum Select® MasterCard® Apply Now See Details
Interest Rate: 11.99% - 19.99%* (Variable)*
Intro Rate: 0% Intro APR*
Grace Period: 20 Days (Min.)
Credit Limit: n/a
Annual Fee: None

Special Offers: 0% Intro APR for 18 Months on Balance Transfers*, and 0% Intro APR for 12 Months on Purchases*

Our Opinion: An attractive card if you have good or excellent credit. One of the best intro rates available for balance transfers--0% interest rate for 18 for balance transfers and 0% for 12 months for purchases. No annual fee. Balance transfer fee is 5% ($10 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

Capital One® Platinum Prestige Apply Now See Details
Interest Rate: 11.90% Variable*
Intro Rate: 0% APR on Purchases and Balance Transfers Until July 2011
Grace Period: 25 Days
Credit Limit: N/A
Annual Fee: None

Special Offers: A 0% introductory rate is available on purchases and balance transfers until July 2011. See terms and conditions for complete details.

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. Discover® More Card

Discover® More Card Apply Now See Details
Interest Rate: 11.99% - 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 balance transfers for a full 15 months, and 0% intro APR on purchases for a full 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 rotating 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. 15-month intro period for balance transfers but the balance transfer fee is 5%. 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).

4. Citi® Dividend Platinum Select® MasterCard®

Citi® Dividend Platinum Select® MasterCard® Apply Now See Details
Interest Rate: 12.99% - 20.99%* (Variable)*
Intro Rate: 0% Intro APR for 15 Months*
Grace Period: 20 Days
Credit Limit: n/app
Annual Fee: None

Special Offers: 0% Intro APR for 15 months* on Balance Transfers

Our Opinion: Created for those with good credit. Earn 1% cash back on eligible purchases and cash advances. Earn $5 cash back on balance transactions of $1,500 or more. 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. 0% intro rate for balance transfers but the balance transfer free is 5%, $10 minimum.

5. Chase Freedom℠ Visa

Chase Freedom℠ Visa Apply Now See Details
Interest Rate: 12.99% - 22.99% (V)*
Intro Rate: 12 months on balance transfers, 6 months on purchases*
Grace Period: 20 Days (Min.)
Credit Limit: n/app
Annual Fee: $9999

Special Offers: 0% APR for 12 Months on Balance Transfers. After that, the APR for Balance Transfers is 12.99% to 22.99%, based on your creditworthiness. 0% APR for 6 Months on Purchases.

Our Opinion: Created for those with good or excellent credit who want a cash rewards program. Earn 5% cash back in rotating categories such as gas, home improvement and department stores, subject to quarterly maximum. Earn a 1% rebate per $1 for all other purchases. Cash rebates never expire. 5% fee for balance transfers and cash advances. 3% fee for international transactions.

6. Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card Apply Now See Details
Interest Rate: 14.99%* (Variable)*
Intro Rate: 0% Intro APR for 12 Months*
Grace Period: 20 Days (Min.)
Credit Limit: n/app
Annual Fee: None

Special Offers: The introductory rate is available on purchases and balance transfers for 12 months.

Our Opinion: Created for those with good credit who want a long intro rate--up to 12 months for purchases and balance transfers. No annual fee and a low interest rates. Balance transfer fee is 3% of transferred amount; $5 minimum. Benefits include up to $1,000,000 in travel accident insurance, travel and emergency assistance services and auto rental insurance.

7. Citi® Diamond Preferred® Rewards Card

Citi® Diamond Preferred® Rewards Card Apply Now See Details
Interest Rate: 12.99% - 20.99%* (Variable)*
Intro Rate: 0% Intro APR for 12 Months*
Grace Period: 20 Days (Min.)
Credit Limit: n/app
Annual Fee: None

Special Offers: 0% Intro APR on for 12 months* on Purchases and Balance Transfers

Our Opinion: Created for those with good credit who want a rewards card. Earn 5 points per $1 spent on purchases made at drugstores, gas stations, and supermarkets for first 12 months of membership, then 1 point per $1 spent. 1 point per $1 spent on all other purchases. Earn up to 75,000 points per year. Redeem 6,000 bonus points for a $50 gift card if you spend $300 on the card within the first three months of the account. The balance transfer fee is 5%, $10 min. Standard benefits include a price protection program and $0 liability on unauthorized purchases.

8. Discover® More Card - Black

Discover® More Card - Black Apply Now See Details
Interest Rate: 11.99% - 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 balance transfers for a full 12 months, and 0% intro APR on purchases for a full 9 months. See terms and conditions for complete details.

Our Opinion: Created for those with very good credit who want a cash reward credit card. cardholders earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and up to 1% Cashback Bonus on all other purchases automatically. 1% will only be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. Earn unlimited rebates. Rebates do not expire if the account is active within a 36-month period. Benefits include up to $500,000 in travel accident insurance, auto rental insurance, fraud and protection services. Those who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan to pay in full each month(to avoid costly finance charges) will benefit most from this card.

9. Capital One® Platinum - Good Credit

Capital One® Platinum - Good Credit Apply Now See Details
Interest Rate: 14.9% Variable*
Intro Rate: 0% on Purchases and Balance Transfers Until July 2011
Grace Period: 25 Days
Credit Limit: N/A
Annual Fee: None

Special Offers: A 0% introductory rate is available on purchases until July 2011. See terms and conditions for complete details.

Our Opinion: Created for those with above average credit. Reasonable interest rate. Benefits include extended warranties for purchases. Does not charge an international transaction fee. Click "Apply Now" to apply online or call 877-834-4206.

10. Slate℠ from Chase

Slate℠ from Chase Apply Now See Details
Interest Rate: 13.24%, 17.24%, 22.24%*
Intro Rate: 0% APR for up to 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 design 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.

11. Capital One® No Hassle Miles(SM) Rewards - Good Credit

Capital One® No Hassle Miles(SM) Rewards - Good Credit Apply Now See Details
Interest Rate: 16.90% Variable*
Intro Rate: 0% on Purchases Until July 2011
Grace Period: 25 Days
Credit Limit: N/A
Annual Fee: None

Special Offers: A 0% introductory rate is available on purchases until July 2011. 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. Click "Apply Now" to apply online or call 877-834-4206.

12. IberiaBank Visa® Select Card

IberiaBank Visa® Select Card Apply Now See Details
Interest Rate: 7.50%*
Intro Rate: 0.00% or 7.50% for 12 Months on Purchases
Grace Period: 25 Days
Credit Limit: n/a
Annual Fee: $45

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.

13. Blue Cash® from American Express

Blue Cash® from American Express Apply Now See Details
Interest Rate: 17.24%-21.24% Variable*
Intro Rate: 0% on Purchases for 6 months
Grace Period: 25 Days
Credit Limit: n/app
Annual Fee: None

Special Offers: 0.00% Introductory APR (0.0000% DPR) for Purchases for 6 months of Cardmembership.

Our Opinion: Created for those with good or excellent credit who want a cash back reward card. Unlimited cash back on eligible purchases but this varies with the amount spent per year. For the first $6,500 of Eligible Purchases, the rebate is 1.0% for Everyday Purchases and 0.5% for all other Eligible Purchases; for Eligible Purchases of $6,500.01 or more, the rebate percentage is 5.0% for Everyday Purchases and 1.25% for all other Eligible Purchases. "Everyday Purchases" are made at drugstores, automobile gas stations and supermarkets. Benefits include purchase protection plan and up to $100,000 in travel accident insurance. Once you charge more than $6,500, the rebate rate is better than most cards. However, the high APR makes this a good card only if you pay off your balance each month. Rebates appear as a credit 1 month following your anniversary date. Earn cashback on recurring bills by enrolling in the automatic payment option.

14. Miles by Discover® Card

Miles by Discover® Card Apply Now See Details
Interest Rate: 10.99% - 16.99% (V)**
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 very good credit who want a travel reward card with a low interest rate. Earn 1 mile per $1 spent on regular purchases.* Earn double miles on up to $3,000 in travel and restaurant purchases. Redeem miles for reduced or free airfare most major U.S. airlines (no blackout dates). Cardholders earn 1,000 bonus miles in every month that they make a purchase during the first year of membership (up to 12,000 miles). Earn up to 60,000 miles per year. Redeem 30,000 miles for round-trip coach ticket. You can also redeem miles for cash, travel and merchandise or gift cards . 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.

15. IberiaBank Visa® Gold Cash Back Rewards Card

IberiaBank Visa® Gold Cash Back Rewards Card Apply Now See Details
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.

16. Blue Sky from American Express®

Blue Sky from American Express® Apply Now See Details
Interest Rate: 17.24%-21.24% Variable*
Intro Rate: 0% on Purchases for 6 months
Grace Period: 25 Days
Credit Limit: a/pp
Annual Fee: None

Special Offers: 0.00% Introductory APR (0.0000% DPR) for Purchases for 6 months of Cardmembership.

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.

17. IberiaBank Visa® Platinum Rewards Card

IberiaBank Visa® Platinum Rewards Card Apply Now See Details
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.

* 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.
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