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0% Intro Rate
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.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:
Best Card Features:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49% – 23.49% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.49% - 23.49%* (Variable)
  • Intro Rate :
    0% on purchases and balance transfers for 21 months*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • The ONLY card with No Late Fees, No Penalty Rate and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% – 24.49% based on your creditworthiness.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    14.49% - 24.49% (variable)
  • Intro Rate :
    0% intro APR on purchases and balance transfers for 21 months*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    12.99% - 22.99% (Variable)
  • Intro Rate :
    0% intro on purchases for 12 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be  14.49% – 24.49% based on your creditworthiness
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    14.49% - 24.49%* (Variable)
  • Intro Rate :
    0% intro APR for 18 months on balance transfers*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.99% - 23.99% (Variable)
  • Intro Rate :
    0% intro on balance transfers for 9 months; 0% intro on purchases for 9 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.99%, 20.99% or 25.99% Variable
  • Intro Rate :
    0% for 15 months on purchases & 0% for 15 months on balance transfers made within 45 days of account opening
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 16.74% – 24.74% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Earn 25,000 American Airlines AAdvantage® bonus miles after making $750 in purchases within the first 3 months of account opening*
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    16.74% - 24.74%* (Variable)
  • Intro Rate :
    15 months on Purchases and Balance Transfers
  • Annual Fee:
    $50, waived for first 12 months*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 13.65% to 23.65%, based on your creditworthiness
  • Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening
  • Unlimited Points That Don’t Expire
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.65% to 23.65% Variable
  • Intro Rate :
    0% APR for 12 months on purchases
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases”
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    16.24%* (Variable)
  • Intro Rate :
    0% for 7 months on purchases*
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn 15,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening*
  • 15,000 ThankYou® Points are redeemable for $150 in gift cards, electronics and other great rewards
  • 0% intro APR on Purchases and Balance Transfers for 12 months.  After that, the variable APR will be 14.49%-24.49% based upon your creditworthiness*
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    14.49% - 24.49%* (Variable)
  • Intro Rate :
    0% Intro APR on purchases and balance transfers for 12 months
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn 5,000 bonus points after your first purchase within 90 days from account opening
  • 5 points per $1 spent on Sony® purchases at authorized retailers, with purchase confirmation
  • 3 points per $1 spent on movie theaters, movie rentals, music downloads and digital streaming and subscription services
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    14.99% - 24.99% (Variable)
  • Intro Rate :
    0% intro on purchases until February 2018
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn 5,000 bonus points after your first purchase within 90 days from account opening
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony® purchases at authorized retailers, with purchase confirmation
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    14.99% - 24.99% (Variable)
  • Intro Rate :
    0% intro on purchases until February 2018
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit