"Comparisons and secure applications
of the best credit card offers online."
|
"Comparisons and secure applications of the best credit card offers online." |
|
Low Introductory Rate |
All Low Introductory offers feature a low or zero interest rate on either purchases, balance transfers or both for a defined period of time after you acquire the card. Most credit cards that are aggressively marketed provide some sort of introductory offer that features a low or zero interest rate and are only available to new customers as an incentive to switch to a new issuer or bank. These cards can produce some of the biggest savings possible from obtaining a new credit card especially if you carry a monthly balance or are planning a major purchase. |
Updated: 2/3/2012 |
| Official Data and Rates | Features | More Info |
|---|---|---|
Citi Simplicity® Card
Credit Level: Excellent
Annual Fee: $0*
Norm Rate: 12.99% - 21.99%* (Variable)
Intro Rate: 0*
Intro Period: 18 Mo. on balance transfers and purchases*
|
0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. Peace of mind through direct access to a service representative, no late fees and no penalty rate No annual fee |
|
Discover® More® Card - Balance Transfer Fee*
Credit Level: Very Good
Annual Fee: $0*
Norm Rate: 10.99% - 20.99% (Variable)*
Intro Rate: 0*
Intro Period: 18 Mo. on Balance Transfers; 6 on Purchases*
|
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 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 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 |
|
Chase Freedom® Visa - $100 Bonus Cash Back
Credit Level: Excellent
Annual Fee: $0*
Norm Rate: 11.99%-22.99%*(Variable)
Intro Rate: 0.00*
Intro Period: 12*
|
This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts 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 without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase No annual fee and rewards never expire |
|
Blue Cash EverydaySM from American Express
Credit Level: Very Good
Annual Fee: $0*
Norm Rate: 17.24%-22.24% Variable
Intro Rate: 0 on Purchases
Intro Period: for 12 Mo.
|
Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership 0% intro APR on purchases for 12 months, 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 No annual fee, flexibility to pay over time |
|
Citi® Platinum Select® MasterCard®
Credit Level: Very Good
Annual Fee: $0*
Norm Rate: 11.99%-21.99%* (Variable)
Intro Rate: 0*
Intro Period: 18 Mo. on balance transfers and purchases*
|
0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.* Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more Citi® Identity Theft Solutions No annual fee* |
|
Starwood Preferred Guest® Credit Card
Credit Level: Good
Annual Fee: $0 introductory for the first ye
Norm Rate: 15.24% - 19.24% variable
Intro Rate: n/a
Intro Period: n/a
|
Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months - enough for up to 6 free nights at a category 1 or 2 hotel Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates 2011 SmarterTravel® Award for "Best Travel Rewards Card" $0 introductory annual fee for the first year, then $65 |
|
Slate® from Chase
Credit Level: Excellent
Annual Fee: $0*
Norm Rate: 11.99% - 21.99%*(Variable)
Intro Rate: 0.00*
Intro Period: up to 15 Mo.*
|
0% for up to 15 months - after that a variable APR as low as 11.99% - 21.99% after your 0% ends Slate with Blueprint® helps you pay down your balances faster and save on interest Transfer your higher rate balances No Annual Fee |
|
PenFed Promise VISA Card
Credit Level: Good
Annual Fee: $0*
Norm Rate: 9.99%*
Intro Rate: 7.49
Intro Period: 36 Mo. for purchases and balance transfers*
|
Absolutely No Fees 7.49% introductory purchase APR for first 36 months. After that, the APR will vary with the Prime Rate, and is currently 9.99% APR. No-fee cash advances carry a 17.99% APR 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. |
|
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
Credit Level: Very Good
Annual Fee: $0*
Norm Rate: 12.99%-22.99%* (Variable)
Intro Rate: 0*
Intro Period: 12 Mo. on balance transfers and purchases*
|
$100 cash back after $500 in purchases within the first 3 months of account opening 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness* 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. Full 1% cash back on all other purchases and eligible cash advances. No annual fee* |
|
Capital One® Classic Platinum Credit Card
Credit Level: Average
Annual Fee: $39.00*
Norm Rate: 17.9% - 22.9% (V)*
Intro Rate: 0 intro APR on purchases
Intro Period: until November 2012*
|
0% intro APR on all purchases until November 2012 $0 Fraud Liability if your card is lost or stolen Enjoy Platinum benefits, including 24-hour roadside assistance and extended warranty protection Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own |
|
| 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. |
Low Introductory Rate |
Just few short years ago, credit cards that fell into the low introductory category were very different than today. The new banking regulations have altered the way banks promote their offers to attract new customers. Although the intention was to ease the burden on consumers, the actual result of the Card Act is new level of complexity when determining the best card for your own personal situation. Nowadays, the credit card issuers have expanded the variety of offers available in all categories. Low Introductory cards now might have two different rates and/or two different intro periods depending on whether the balance is transferred or accrued through current purchases. This means you, the applicant, need to first determine what feature suits you best. If you are intending to make large purchases to be paid off during the intro period, a low purchase rate and long intro period would be the paramount benefits to search for. Alternately, if you want to transfer a balance from another card to enjoy a low or zero rate during the intro period, balance transfer rate and duration would be of particular value. Although slightly more complex than in the past, an informed and diligent consumer can reap larger rewards by performing research up front and attention to the terms after obtaining a new credit card. Additionally, one of the best features of the Card Act is the required method for the application of over payments made to your account. Any savings from your new low intro card can be applied to another card to further reduce those high interest balances. |
|
|
|
|||||||||||||||||||
Credit Card Offers | Privacy Statement | Terms of Use | Comparison Grid | Credit Articles | News Archives | Site Map |
|
©Copyright 2012 ENC Group, Inc. |
|
