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Low introductory rate credit cards from our partners

If you are planning a major purchase in the next few months and want an easy way to spread the payments out, you may want to consider applying for a zero introductory APR or low introductory rate credit card.  Financing new purchases with a low intro rate credit card can result in big savings.  The introductory period on these credit cards typically ranges from 6 months to 18 months or more.  You'll need good to excellent credit to be considered for most low introductory rate offers.

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Capital One<sup>®</sup> VentureOne<sup>®</sup> Rewards Credit Card
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Capital One® VentureOne® Rewards Credit Card

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
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Purchase Intro APR: 0% intro on purchases
Period: until December 2015
Purchase APR 11.9% - 19.9% (Variable) 
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Discover it<sup>®</sup> card
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Discover it® card

  • 0% intro APR on purchases & balance transfers for 14 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • Free FICO® Credit Score online and on monthly statements.*
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Purchase Intro APR: 0% Intro APR on purchases
Period: 14 months
Purchase APR 10.99% - 22.99% Variable*
Balance Transfer Intro APR 0% Intro APR on balance transfers
Balance Transfer Intro Period 14 months
Annual Fee $0
APPLY NOW Credit Needed Excellent
Capital One<sup>®</sup> QuicksilverOne<sup>®</sup> Cash Rewards Credit Card
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Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
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Purchase Intro APR: 0% intro on purchases
Period: until September 2015
Purchase APR 22.9% (Variable) 
Balance Transfer Intro APR 0% intro on balance transfers
Balance Transfer Intro Period until September 2015
Annual Fee $39
APPLY NOW Credit Needed Average/Fair/Limited
The Amex EveryDay<sup>SM</sup> Preferred Credit Card from American Express
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The Amex EveryDaySM Preferred Credit Card from American Express

  • Get One Year of Amazon Prime plus 15,000 Membership Rewards® points after you make $1,000 in purchases with your new Card in the first three months.
  • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
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Purchase Intro APR: 0% on Purchases
Period: for 15 months
Purchase APR 12.99% - 21.99% Variable
Balance Transfer Intro APR 0% on Balance Transfers
Balance Transfer Intro Period for 15 months
Annual Fee $95
APPLY NOW Credit Needed Excellent
Capital One<sup>®</sup> Quicksilver<sup>®</sup> Cash Rewards Credit Card
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Capital One® Quicksilver® Cash Rewards Credit Card

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
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Purchase Intro APR: 0% intro on purchases
Period: until September 2015
Purchase APR 12.9% - 22.9% (Variable) 
Balance Transfer Intro APR 0% intro on balance transfers
Balance Transfer Intro Period until September 2015
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
BankAmericard Cash Rewards<sup>™</sup> Credit Card
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BankAmericard Cash Rewards Credit Card

  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee
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Purchase Intro APR: 0% Introductory APR on purchases
Period: 12 billing cycles
Purchase APR 12.99% - 22.99% Variable
Balance Transfer Intro APR 0% Intro APR for qualifying balance transfers
Balance Transfer Intro Period 12 billing cycles
Annual Fee $0
APPLY NOW Credit Needed Excellent
Capital One<sup>®</sup> Platinum Prestige Credit Card
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Capital One® Platinum Prestige Credit Card

  • Get 0% intro APR on all purchases until March 2016; 10.9%-18.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
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Purchase Intro APR: 0% intro on purchases
Period: until March 2016
Purchase APR 10.9% - 18.9% (Variable) 
Balance Transfer Intro APR 0% intro on balance transfers
Balance Transfer Intro Period until March 2016
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
BankAmericard Travel Rewards<sup>®</sup> Credit Card
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BankAmericard Travel Rewards® Credit Card

  • Earn 1.5 points per $1 on every purchase, every time with no annual fee and no foreign transaction fees
  • Online exclusive 10,000 bonus points if you make at least $500 in purchases in the first 90 days - that can be $100 towards travel purchases
  • Book travel as you normally would and go online or call to redeem your points for a statement credit toward all or part of your travel purchases
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Purchase Intro APR: 0% Introductory APR on purchases
Period: 12 billing cycles
Purchase APR 14.99% - 22.99% variable
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Annual Fee $0
APPLY NOW Credit Needed Excellent
BankAmericard<sup>®</sup> Visa<sup>®</sup> Card
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BankAmericard® Visa® Card

  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
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Purchase Intro APR: 0% Introductory APR on purchases
Period: 15 billing cycles
Purchase APR 10.99% - 20.99% Variable
Balance Transfer Intro APR 0% Intro for 15 billing cycles for balance transfers made in the first 60 days
Balance Transfer Intro Period 15 billing cycles
Annual Fee $0
APPLY NOW Credit Needed Excellent
The Amex EveryDay<sup>SM</sup> Credit Card from American Express
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The Amex EveryDaySM Credit Card from American Express

  • Get One Year of Amazon Prime plus 10,000 Membership Rewards® points after you make $1,000 in purchases with your new Card in the first three months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
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Purchase Intro APR: 0% on Purchases
Period: for 15 months
Purchase APR 12.99% - 21.99% Variable
Balance Transfer Intro APR 0% on Balance Transfers
Balance Transfer Intro Period for 15 months
Annual Fee $0
APPLY NOW Credit Needed Excellent
BuyPower Card from Capital One
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BuyPower Card from Capital One

  • Every purchase earns rewards that can help you save toward a new Chevrolet, Buick, GMC or Cadillac vehicle
  • Get 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
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Purchase Intro APR: 0% intro on purchases
Period: 12 months
Purchase APR 11.9% - 19.9% (V) 
Balance Transfer Intro APR n/a
Balance Transfer Intro Period n/a
Annual Fee $0
APPLY NOW Credit Needed Excellent
Barclaycard Arrival<sup>™</sup> World MasterCard<sup>®</sup>
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Barclaycard Arrival World MasterCard®

  • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
  • Earn 2X miles on travel and dining and 1X miles on all other purchases
  • Miles don't expire as long as your account is open, active and in good standing
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Purchase Intro APR: N/A
Purchase APR 14.99% or 18.99%* Variable
Balance Transfer Intro APR 0% Intro APR on Balance Transfers
Balance Transfer Intro Period for 12 Months*
Annual Fee $0
APPLY NOW Credit Needed Excellent
Credit Card Database

More about Low introductory rate credit cards

  • What are they?
  • What should I look for?
  • How to compare?
  • Are there any drawbacks?

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.

Before you can choose the best credit card for your needs, you must identify your goals. If you have credit card debt to pay with a balance transfer, you should compare the following features:

  1. Initial interest rate
  2. Length of introductory term
  3. Interest rate after the introductory term ends
  4. Balance transfer fee
  5. Annual fee, and whether it is waived the first year

The best low rate credit cards have the longest introductory period with the lowest interest rate and the lowest (or no) annual fee. After checking these elements, be sure to check the minimum finance charge so you can estimate your monthly payments. There are plenty of credit card offers on this page to choose among.

You can use a credit card payoff calculator to estimate the size of your payments and how long it will take you to reduce your balance to zero at various interest rates and payment plans. While it may seem to make sense to jump at a zero percent interest rate, you may be better off with a slightly higher interest rate for a longer period if you won't be able to pay your balance in full before the introductory period ends.

For instance, if you want to pay off a $1,500 credit card bill and find a card with zero percent interest for six months, you would need to make a payment of $250 per month to pay it off in time. If you are charged a balance transfer fee of 5 percent, that adds another $75 to the balance. You may want to look into a card with a low interest rate of 3 percent or 4 percent for 12 months to give yourself more time to completely pay off your credit card debt.

There are two main pitfalls with a low introductory rate credit card. The first comes along with the word "introductory". This means that the low interest rate that is enticing you to apply for the card is temporary. Make sure you read the fine print and know when the interest rate will rise and how much it will go up before you sign on for a new card. That's why it is so important to compare credit card offers.

The second pitfall is that these cards are generally only available for consumers with good or excellent credit. Before you apply, check out your credit report and see if you need to improve your credit first.

About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user's application is accepted or approved by such companies.