Credit Yourself | Financial Planning | Debt Management

>Home>Credit Cards>Low Intro Rate Cards

Top Low Intro Cards Compared

Low Introductory Rate Credit Cards

Low or zero APR cards offer an enticing inducement to switch credit card companies. However be sure to read the fine print to

make sure you are getting what you think you are getting.

What to Look for in a Low Intro Rate Credit Card

Start with the basics: low or no annual fees, at least a 25 day grace period and a low interest rate are essential: if possible, you want to stay away from cards that use "two-cycle" billing and the "universal default clause", but you'll have to read the fine print to determine if any specific lender does (and it appears more and more do).

After that, the same things you would look for in a Balance Transfer Credit Card apply here. You want a combination of low interest and a long, hopefully unlimited, term to repay.

Blue from American Express® offers 2.99% APR for 12 months. Discover® More(SM) Card offers a zero APR for 12 months on cash advances and purchases.

You have to find out what you will pay after the expiration of the offer - the jump can be substantial. You also have to read the fine print that governs the terms and conditions of the offer. You might have to keep charging on the card to maintain the low rate.

Here is a list of some of the top low intro rate cards. Note that the first entry, Pulaski Bank has been listed as one of the top ten consumer friendly banks in the country by Consumer Reports Magazine. This means it consistently charges some of the lowest rates in the country and doesn't use two-cycle billing or the universal default clause.

Compare these offers. Most carry some kind of rewards program. Pick out the one that fits your lifestyle best.

Top Low Intro Rate Credit Cards

Pulaski Bank MasterCard® or VISA®

Fixed Rate APR of 6.5%
0% Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date
No transaction fee for balance transfers
25 day grace period
Online access to credit card account information

Apply Now!

IBERIABANK Visa® Platinum Card

Variable Rate APR ranging from Prime + 4% thru Prime + 6% (As low as 8.0% - 10.0%)
Cash Advance Variable Rate APR ranging from Prime + 8% thru Prime + 10% (As low as 12.0% - 14.0%)
Earn 1 bonus point for every $1 in qualifying net retail purchases
Turn your points into hotel, gift, or experience rewards
Travel accident coverage up to $1,000,000
No annual membership fee
0% Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
No transaction fee for balance transfers
25 day grace period
Online access to credit card account information
Apply Now!

Discover® More Card

Earn more cash in more ways than anyone else(SM)*
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 100 Cashback Bonus Partners*
Customer Service in less than a minute, anytime you want
0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
Apply Now!

Blue from American Express®

0% APR on purchases for up to 12 months
No Annual Fee
Low Balance Transfer APR - 2.99% for 12 months
Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
Membership Rewards Express® program
Express Approval. Get a decision in less than 60 seconds.

Apply Now!

Blue Cash® from American Express

Earn up to 5% cash back on everyday purchases - even gas!
No Annual Fee
0% Intro APR for up to 12 months on purchases
Low Balance Transfer APR - 2.99% for 12 months
Express Approval. Get a decision in less than 60 seconds.
Apply Now!

Discover® Open Road Card

Double Cashback Bonus on grocery store purchases in November and December*
0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
Save at the pump and everywhere else.*
5% Cashback Bonus® on gas and auto maintenance purchases
5% to 20% Cashback Bonus at top online retailers*
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
Apply Now!

Advanta Platinum BusinessCard with Rewards

Whether you want to showcase your business using your logo, a favorite photo or simply by putting your business name at the top of the card, Advanta provides you with three ways to promote your business every time you use your card.