Credit Cards with a Low Intro APR
Many of the 0% balance transfer credit cards offer a low or a 0% interest free period not only on balance transfers, but on purchases as well. By lowering your existing interest payments and paying less interest on your new purchases, you get the best of both worlds. When you compare low intro APR credit cards, be sure to make a note of any restrictions or penalty APRs. Check if the intro APR will apply to purchases, to balance transfer or to both.
Browse the full selection of our list of 0% Intro APR credit cards below or choose another credit card type from the menu bar on the left. Compare the information on fees, rewards, and various other card features in the "more info" section of the listed cards.
Blue Cash® from American Express
Earn up to 5% cash back on everyday purchases - even gas!
Summary:
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 25 Days
Reward Program: Up to 5% Cash Back
Credit Line: Up to $100,000
Issuer: American Express Co.
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 25 Days
Reward Program: Up to 5% Cash Back
Credit Line: Up to $100,000
Issuer: American Express Co.
Features:
- Earn a $25 statement credit with $500 in eligible spending
- No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
- Earn up to 5% cash back on eligible purchases at supermarkets, gas stations, drugstores, and more
- No limit on the cash back you can earn
*See Terms, Conditions & Disclosures
Discover® More® Card
Make your money worth More.SM*
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 4% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
Credit Line: Minimum $5,000
Issuer: Discover Bank
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 4% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
Credit Line: Minimum $5,000
Issuer: Discover Bank
Features:
- 0% intro APR on balance transfers for 15 months, then the Regular APR
- 0% intro APR on purchases for 15 months, then the Regular APR
- 5% Cashback Bonus(R) 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
*View rates, fees, rewards and other important information.
Blue Sky from American Express(SM)
Say good-bye to Travel Reward Restrictions!
Summary:
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 25 Days
Reward Program: Travel Points
Issuer: American Express Co.
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 25 Days
Reward Program: Travel Points
Issuer: American Express Co.
Features:
- No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
- Enjoy travel rewards with no restrictions or blackout dates - earn points redeemable for flights on any airline, stays at any hotel, and car rentals with any company
- Redeem travel rewards with as few as 7,500 points, good for a $100 statement credit on any travel purchase
- Feel secure with protection from fraudulent charges and extensions of manufacturer's warranties on eligible purchases
See Terms, Conditions & Disclosures
True Earnings® Card from Costco and American Express
Earn Cash Back with the True Earnings® Card from Costco and American Express.
Summary:
APR for Balance Transfers: 15.24
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 20 Days
Reward Program: Up to 3% Cash Back
Issuer: American Express Co.
APR for Balance Transfers: 15.24
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 20 Days
Reward Program: Up to 3% Cash Back
Issuer: American Express Co.
Features:
- No annual fee for Costco members
- 0% intro APR on purchases for six months
- Earn cash back wherever you buy, including 3% for gasoline for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, and 1% virtually everywhere else
- Rated 4.5 out of 5 stars in Overall Satisfaction Rating, based on feedback from current TrueEarnings(R) Cardmembers from Costco and American Express
Miles by Discover® Card
A Miles card with no annual fee!
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% *
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: Air Miles
Issuer: Discover Bank
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% *
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: Air Miles
Issuer: Discover Bank
Features:
- 12, 000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year
- 1 Mile per $1 on every purchase
- Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
- No limit on the Miles you earn and Miles don't expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months then the regular APR
- No Annual Fee, No Over limit Fee, No Redemption Fee
*View rates, fees, rewards and other important information.
Discover® More® Card - Clear
5% Cashback Bonus®*!
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 4% *
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
Issuer: Discover Bank
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 4% *
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
Issuer: Discover Bank
Features:
- 0% intro APR on purchases and balance transfers for 6 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
*View rates, fees, rewards and other important information.
Starwood Preferred Guest® Credit Card from American Express
Earn FREE NIGHTS and FREE FLIGHTS with the Starwood Preferred Guest® Credit Card!
Summary:
APR for Balance Transfers: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 20 Days
Reward Program: Starpoints
Credit Line: Up to $100,000
Issuer: American Express Co.
APR for Balance Transfers: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 20 Days
Reward Program: Starpoints
Credit Line: Up to $100,000
Issuer: American Express Co.
Features:
- Earn up to 25,000 Starpoints® — enough for up to 6 free nights at a category 1 or 2 hotel.
- Redeem Starpoints® for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout
- No annual fee for the first year and $65 thereafter.
- Stay 2 nights and get the 3rd night free at participating Sheraton® Hotels and Resorts worldwide.
- Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
- Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.
See Card Terms and Conditions
Discover® Student Card
Easy online account options that put you in control
Summary:
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 12.99%-19.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: 1-20%* Cashback Bonus®
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 12.99%-19.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: 1-20%* Cashback Bonus®
Issuer: Discover Bank
Features:
- 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
- Up to 1% unlimited Cashback Bonus® on all other purchases
- No Annual Fee
- $0 Fraud Liability Guarantee
*View rates, fees, rewards and other important information.