Low Introductory Rate
Consumers who want to take advantage of the best credit card offers may be considering a low introductory rate credit card. Financing new purchases with a zero or low introductory rate credit card can result in big savings. The introductory period on these credit cards tend to be only for 6-12 months, but some offer zero percent interest on purchases for 18 months or more. Most low introductory rate offers are geared towards consumers with a good credit score.
Discover® More Card - $0 Balance Transfer Fee!
- Limited Time Offer - $0 Balance Transfer Fee!*
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Discover® More® Card
- 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
The NEW Blue for Business® Credit Card from American Express OPEN
- Earn a Welcome Bonus of 10,000 bonus points after your first purchase
- Earn 10% more points the first year, Earn 20% more points the second year, Earn 30% more points every year after
- Get an introductory APR of 0% for up to 12 months
- No annual fee and no fee for Additional Cards for Employees
- Save 3% - 10% automatically on business expenses from FedEx, Hertz®, and more with OPEN Savings® discounts
- Enjoy the option to pay over time
Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
Discover® More Card - 18 Month Promotional Balance Transfer
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S. based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alerts
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Escape by Discover Card
- Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
- Double Miles on every $1 you spend
- 0% intro APR on purchases and balance transfers for 6 months then the variable purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Flexible redemption options like travel credits, merchandise, gift cards or cash
- Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row (2011 Brand Keys Customer Loyalty Engagement Index report)
- *Click apply to view rates, fees, rewards, limitations and other important information
Miles by Discover® Card
- Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
- 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Discover® MotivaSM Card
- Earn Cashback Bonus for your good credit management
- 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
- Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S. based Account Manager within 60 seconds
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Blue® From American Express - No Annual Fee!
- 0% intro APR for 12 months
- Flexibility to pay charges over time
- Earn up to 10X points every day when you shop over 300 brands online at membershiprewards.com/earn
- Earn 1 point for every eligible dollar spent
- 2X points when booking online travel through American Express
- Rewards start at just 1,000 points
Blue Cash PreferredSM Card From American Express - $150 Welcome Bonus
- 6% cash back at supermarkets
- 3% cash back at gas stations and department stores
- 1% cash back on all other eligible purchases
- Low annual fee
- Flexibility to pay charges over time
- Recommend the Blue Cash Preferred Card to as many friends as you want and get a $75 bonus for each friend approved for the Card
Blue Cash EverydaySM Card From American Express
- No annual fee, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
True Earnings® Card from Costco and American Express
- American Express® Card and Costco Membership Card in one -- with no annual fee for Costco members
- Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
Iberiabank Visa® Select
- Introductory Rate of 0.00% or 7.50% for 12 months from date opened, on Purchases. (If there is an interest charge, the charge will be no less then $0.50). This rate will not change during the introductory period.
- Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Low Ongoing Variable Rate APR after introductory period of 7.50% (Prime + 4.25%). This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $0.50).
Slate® from Chase - No Balance Transfer Fee
- No Balance Transfer Fee!*
- 0% Intro APR for 15 months on purchases and balance transfers
- Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
- After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
- Avoid interest on everyday purchases
- Pay down your balance faster
- Zero liability on unauthorized purchases*
- No Annual Fee*
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What are low introductory rate credit cards?
Credit card companies know that savvy consumers are looking for the best rates on credit cards, so sometimes they offer a low interest rate for a limited time period to attract new cardholders. After the initial period, the interest rate will usually rise to a standard interest rate. Often, there are different interest rates charged for balance transfers versus new purchases, so make sure you truly understand the interest rate structure, fees and minimum finance charge to decide whether one of these credit cards works for you.
How do you qualify for a low APR credit card? Credit card companies assign you an interest rate according to the perceived risk that you will default, or fall behind on repaying your credit card debt. If you have poor credit or a history of problems with credit card debt, you may not qualify for a low intro rate credit card. Find out your credit score before you apply and see if you need to improve your credit before you can qualify for zero APR credit cards. Most cards that come with zero or low intro APR require excellent credit.
What should you look for in a low introductory rate credit card offer? >>
Discover® More® Card
The NEW Blue for Business® Credit Card from American Express OPEN
Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR
Discover® More Card - 18 Month Promotional Balance Transfer
Escape by Discover Card
Miles by Discover® Card
Discover® MotivaSM Card
Blue® From American Express - No Annual Fee!
Blue Cash PreferredSM Card From American Express - $150 Welcome Bonus
Blue Cash EverydaySM Card From American Express
True Earnings® Card from Costco and American Express
Iberiabank Visa® Select
Slate® from Chase - No Balance Transfer Fee











