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Low Introductory Rate
Credit Card

A Low Introductory Rate credit card has a very low or zero rate for the first 6-12 months. After the introductory period, the rate will rise to an average rate. The low introductory rate may apply to purchase, balance transfers or both. A low introductory rate credit card can save a significant amount of money if you carry a high balance from month-to-month or are expecting a large purchase.

Updated: 9/2/2010
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Official Data and Rates Features More
Info
Citi® Platinum Select® MasterCard®
Credit Level:
Very Good
Annual Fee:
None
Norm Rate:
11.99% - 19.99%* (Variable)
Intro Rate:
0
Intro Period:
12 Mo. on Purchases*
0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
Citi® Identity Theft Solutions
Secure, free online account management
No annual fee
Click for More Information about the Citi® Platinum Select® MasterCard® card
Slate(SM) from Chase
Credit Level:
Very Good
Annual Fee:
None
Norm Rate:
13.24%-22.24% Variable*
Intro Rate:
0
Intro Period:
See Terms*
0% Intro APR for up to 12 months.
No Annual Fee.
New Innovative Card Design.
Blueprint(SM) – free and customizable features

    Help you avoid unnecessary interest
    Pay your balances down faster
Click for More Information about the Slate(SM) from Chase card
American DreamCard™ MasterCard®
Credit Level:
Good
Annual Fee:
$0- $59*
Norm Rate:
14.99% or 21.99% Variable
Intro Rate:
n/a
Intro Period:
n/a
Over $1.2 Million Awarded to Date!
Large monthly cash jackpots
Earn entries from everyday shopping
Get 1,000 entries just for applying!
A New Winner Every Month!
Refer your friends and automatically receive 50 entries for each referral and get a signing bonus of 1,000 entries for each referral who is approved for the American DreamCard™
See terms and conditions for important rate, fee, and other cost information, and limitations
Click for More Information about the American DreamCard™ MasterCard® card
Blue Cash(R) from American Express
Credit Level:
Very Good
Annual Fee:
No
Norm Rate:
17.24%-21.24% Variable
Intro Rate:
See Terms*
Intro Period:
See Terms*
0% intro APR on purchases for 6 months and no annual fee
Flexibility to pay over time
Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
Receive your cash back automatically as a statement credit
Click for More Information about the Blue Cash(R) from American Express card
Discover® More Card- Black
Credit Level:
Very Good
Annual Fee:
None
Norm Rate:
11.99% - 20.99% (Variable)*
Intro Rate:
0*
Intro Period:
9 Mo.*
0% intro APR on balance transfers for a full 12 months, then the Regular APR
0% intro APR on purchases for a full 9 months, then the Regular APR
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee
Click for More Information about the Discover® More Card- Black card
Upromise® World MasterCard®
Credit Level:
Very Good
Annual Fee:
None
Norm Rate:
12.99%-20.99% Variable
Intro Rate:
0 on purchases
Intro Period:
7-10 billing cycles
10% extra college savings on thousands of eligible grocery and drugstore items
2% extra college savings on eligible gas purchases at Exxon and Mobil locations
1% college savings on every purchase
Get $25 college savings after the first qualified use of your account
No annual fee†
Click for More Information about the Upromise® World MasterCard® card
Starwood Preferred Guest(R) Credit Card from American Express
Credit Level:
Good
Annual Fee:
See Terms*
Norm Rate:
15.24% variable
Intro Rate:
See Terms*
Intro Period:
See Terms*
Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
No annual fee for the first year and $45 thereafter
Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
Express Approval. Get a decision in less than 60 seconds.
Click for More Information about the Starwood Preferred Guest(R) Credit Card from American Express card
Citi® Diamond Preferred® Rewards Card
Credit Level:
Very Good
Annual Fee:
None
Norm Rate:
12.99% - 20.99%* (Variable)
Intro Rate:
0
Intro Period:
12 Mo.*
$50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening
0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate.
5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**
Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
No annual fee
Click for More Information about the Citi® Diamond Preferred® Rewards Card card
PenFed Promise VISA Card
Credit Level:
Good
Annual Fee:
None
Norm Rate:
9.99%
Intro Rate:
7.49
Intro Period:
36 Mo.
Absolutely No Fees!
Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR.
No Balance Transfer Fees – Good till June 30, 2010
No Foreign Transaction Fees!
Some restrictions apply.
You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. Click here to learn more.
Click for More Information about the PenFed Promise VISA Card card
All reasonable efforts are made to collect and provide accurate information about current Low Introductory Rate credit card offers. Due to the dynamic nature of credit card issuers objectives and requirements, all information is presented without warranty. You may click in the "Apply Now" column to review the Low Introductory Rate credit card offer, terms and conditions on the credit card issuer's web site.


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Low Introductory Rate Related Articles
Big savings with a low intro card, if you can follow the rules. All of them.   by Derek Lenehan
A common term you might hear in commercials or read in a print ad is 'low intro.' Those two words mean that a particular credit card has a lower interest rate when you first get it than it will after some time passes. The most...   Read More

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