Low Introductory Rate credit cards have 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 period rate may apply to purchases, balance transfers or both. Low intro credit cards can save a significant amount of money if you carry a high balance from month-to-month or are expecting a large purchase.

Citi® Platinum Select® MasterCard® 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*   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Very Good 0* 18 Mo. on balance transfers and purchases* 11.99%-21.99%* (Variable) $0* Yes	Citi Simplicity® Card 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   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Excellent 0* 18 Mo. on balance transfers and purchases* 12.99% - 21.99%* (Variable) $0* Yes
Discover® More® Card - Balance Transfer Fee* 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   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Very Good 0* 18 Mo. on Balance Transfers; 6 on Purchases* 10.99% - 20.99% (Variable)* $0* Yes	Chase Freedom® Visa - $100 Bonus Cash Back 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   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Excellent 0.00* 12* 11.99%-22.99%*(Variable) $0* Yes
Blue Cash EverydaySM from American Express 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   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Very Good 0 on Purchases for 12 Mo. 17.24%-22.24% Variable $0* Yes	Starwood Preferred Guest® Credit Card 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   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Good n/a n/a 15.24% - 19.24% variable $0 introductory for the first ye Yes
American DreamCard™ MasterCard® 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   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Good n/a n/a 14.99% or 21.99% Variable $0- $59* No	Slate® from Chase 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   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Excellent 0.00* up to 15 Mo.* 11.99% - 21.99%*(Variable) $0* Yes
PenFed Promise VISA Card 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.   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Good 7.49 36 Mo. for purchases and balance transfers* 9.99%* $0* Yes