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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 zero APR for 15 months and then 4.99%. Chase Free Cash Rewards^SM Visa® Card offers a zero APR for 6 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®

6.50% APR
0.0% Introductory APR on all balance transfers
Fixed low rate.
Best Credit Card Rate in the Country
No Fee balance transfers

Apply Now!

Chase Platinum Visa® Card

0% APR* for up to 12 months
No Annual Fee
1 point for every dollar spent
Redeem for Travel, Cash, Merchandise or Gift Certificates/Cards

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*
Apply Now!

Blue from American Express®

Fee-Free Rewards Program
0% APR for up to 15 months
No Annual Fee
Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.

Apply Now!

Chase Free Cash Rewards^SM Visa® Card

1 point for every eligible dollar in purchases
1,000 Bonus Points after your first purchase
Intro 0% Fixed APR for up to 6 months*
No Annual Fee
Get your rewards with as few as 2,500 points
Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned

Apply Now!

Blue Cash® from American Express

Up to 5% Cash Back with Unlimited Cash Rewards
Earn unlimited cash back
0% Intro APR for 6 months
Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
No Annual Fee

Apply Now!

Discover® Open Road Card

0% Intro APR*
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 80 Cashback Bonus Partners

Apply Now!