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: | As low as 11.99% Variable* |
|---|---|
| Intro Rate: | 0% APR for up to 15 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% APR on Balance Transfers and Purchases for up to 15 Months
Our Opinion: An attractive card if you have good or excellent credit. One of the bst intro rates available for balance transfers--0% interest rate for up to 15 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)
2. Discover® More® 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: *0% APR on Purchases for 6 months and 0% APR on Balance Transfers for 12 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. 5% fee for balance transfers, one of the highest fees for a balance transfer. 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. Miles by Discover® Card
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| Interest Rate: | as low as 11.99%* |
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| 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.
4. Capital One® No Hassle Miles(SM) Rewards - Good Credit
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| Interest Rate: | 16.90% Variable* |
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| Intro Rate: | 0% on Purchases Until February 2011 |
| Grace Period: | 25 Days |
| Credit Limit: | N/A |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on purchases until February 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.
5. Chase Freedom℠
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| Interest Rate: | 12.99%, 17.99%, or 22.99%* |
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| Intro Rate: | 0% APR for up to 6 Months on Purchases* |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: *0% APR for up to 12 Months on Balance Transfers. After that, the APR for Balance Transfers is 12.99%, 17.99%, or 22.99%.
Our Opinion: Created for those with excellent credit who want a cash rewards card. Standard rebates, earn 1% per $1 spent. Earn 3% cash back 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. $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.
6. Slate℠ from Chase
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| Interest Rate: | 13.24%, 17.24%, or 22.24%* |
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| 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.
7. IberiaBank Visa® Gold Cash Back Rewards Card
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| Interest Rate: | 8.25%-14.25%** |
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| 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.
8. IberiaBank Visa® Platinum Rewards Card
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| Interest Rate: | 8.25%-14.25%** |
|---|---|
| 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.
9. IberiaBank Visa® Select Card
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| Interest Rate: | 7.50%* |
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| Intro Rate: | 7.50% APR for 12 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | $45 |
Special Offers: 7.50% 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.
10. Blue from American Express®
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| Interest Rate: | As low as 15.24%** |
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| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: 0% Introductory APR (0.0000% DPR) for Purchases for your first 6 months of Cardmembership, depending on our review of your application and credit history.
Our Opinion: Created for those with good credit and an established credit history who want a card with a good rewards program. Cardholders have access to the Membership Rewards Express program with retail, dining, entertainment and select travel rewards. Earn 1 point per $1 spent. Benefits include auto rental insurance, purchase protection, and various emergency and travel assistance services.
11. Blue Cash® from American Express
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| Interest Rate: | As low as 17.24%** |
|---|---|
| Intro Rate: | 0% APR for up to 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 up to 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.
12. Blue Sky from American Express®
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| Interest Rate: | As low as 17.24%* |
|---|---|
| Intro Rate: | 0% APR 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 up to 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.
