Large savings can be easily achieved with any of these credit cards. If you have a large balance or plan on putting a big charge on your card, a low or zero interest rate for a year or more can produce significant savings. The only trick with these cards is to make sure you make at least the minimum payment each month to maintain the introductory rate. An easy thing to do when you remember the amount of money you are saving. Please select from the following Low Introductory Period cards:
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Official Name, Features, Rates and Fees |

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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*
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Very Good |
0* |
18 Mo. on balance transfers and purchases* |
11.99%-21.99%* (Variable) |
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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
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Excellent |
0* |
18 Mo. on balance transfers and purchases* |
12.99% - 21.99%* (Variable) |
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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
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Very Good |
0* |
18 Mo. on Balance Transfers; 6 on Purchases* |
10.99% - 20.99% (Variable)* |
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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
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Excellent |
0.00* |
12* |
11.99%-22.99%*(Variable) |
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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
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Very Good |
0 on Purchases |
for 12 Mo. |
17.24%-22.24% Variable |
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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
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0 introductory for the first ye |
Good |
n/a |
n/a |
15.24% - 19.24% variable |
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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
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0- $59* |
Good |
n/a |
n/a |
14.99% or 21.99% Variable |
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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
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Excellent |
0.00* |
up to 15 Mo.* |
11.99% - 21.99%*(Variable) |
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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.
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| 0.00 |
Good |
7.49 |
36 Mo. for purchases and balance transfers* |
9.99%* |
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* See the online credit card application and web site for specific terms and conditions of any offer.
Reasonable efforts are made to maintain the accuracy of the information presented on this website.
All information is presented without warranty. You can click on the "CLICK TO APPLY" graphic to examine the credit card terms and conditions directly on the credit card issuer's web site.
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