Low Introductory Rate Credit Cards

Excellent for Balance Transfer

The folowing credit cards offer low introductory interest rate as low as 0%:

Shopping for the best credit card value can be complicated. Different issuers charge different interest rates. They also use different methods to calculate finance charges. The APR measures the cost of credit as a yearly interest rate. APRs on credit cards can vary from five to 25 percent. If you're like most people and carry a balance on your credit card at least sometimes, the APR can make a big difference. These low introductory rate credit cards are excellent for balance transfers.

Discover® More(SM) Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* 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 for 12 months on Purchases and Balance Transfers

Blue from American Express®

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 15 Months* As Low As 8.99%* None* 0% APR on purchases for up to 15 months No Annual Fee Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance. Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences. Membership Rewards Express® program Express Approval.  Get a decision in less than 60 seconds.

Blue Cash® from American Express

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* As Low As 8.99%* None* Earn up to 5% cash back on everyday purchases - even gas! No Annual Fee 0% Intro APR for up to 12 months on purchases Low Balance Transfer rate - 4.99% fixed APR for the life of the balance Express Approval. Get a decision in less than 60 seconds.

Discover® Open Road(SM) Card

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers 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 100 Cashback Bonus Partners

Miles by Discover® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* 10.99%* None* A Miles card with no annual fee! No blackout dates Double Miles on food and travel, up to $3,000 each year 1 Mile for every $1 you spend Unlimited Miles while your account is active 0% Intro APR*

Chase Freedom(SM) Credit Card

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* 14.99%* None* Receive $50 after you make your first purchase 3% Cash Back in your top 3 everyday spending categories 1% cash back for every $1 you spend on all other purchases Receive an extra $50 each time you save and redeem $200 in rewards

Blue Sky from American Express®

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* As Low As 8.99%* None* No annual fee and 0% intro APR for up to 12 months Earn 1 point for every dollar you spend Points good on any airline, hotel, car rental and more. No blackout dates or travel restrictions Express Approval. Get a decision in less than 60 seconds.

Chase Platinum Visa® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* 0% Intro APR for up to 12 months The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history No Annual Fee FREE Online Account Access FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance

Discover® Motiva(SM) Card

Intro APR Intro Period Regular APR Annual Fee 3.9%* Up to 12 Months* 10.99%* None* Cash Rewards for your good credit management!* Get a Pay-On-Time BonusSM equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners 3.9% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

One from American Express®

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* As Low as 10.99%* $35* Get $50 after your first purchase No Pre-Set Spending Limit* Earn a competitive Annual Percentage Yield (APY), currently 2.75% (variable rate as of 4/15/2008). Never pay interest on new purchases The Savings Accelerator(SM) Plan contributes 1% of eligible purchases into an FDIC-insured High-Yield Savings Account in your name No annual fee for the first year - A $35 savings Express Approval. Get a decision in less than 60 seconds.

Chase Free Cash Rewards(SM) Visa® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* 1 point for every eligible dollar in purchases 1,000 Bonus Points after your first purchase Intro 0% Fixed APR for up to 12 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

Chase Flexible Rewards™ Platinum Visa® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* 0% Intro APR for up to 12 months* Earn 1 point for every eligible dollar spent toward travel on any airline, shopping at your favorite stores or cash!* Earn 1000 bonus points after first purchase*

Chase PerfectCard™ MasterCard®

Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* 10.99%* None* 6% rebates on ALL eligible gas purchases at ANY gas station for the first 90 days 3% rebates on ALL eligible gas purchases at ANY gas station after the first 90 days 1% rebates on ALL other purchases made anywhere else 0% Intro APR for up to 6 months* No Annual Fee Earn rewards wherever the road takes you with the Chase PerfectCard. Rebates are automatically credited toward future purchases made on your card.

Clear from American Express®

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* As Low As 9.99%* None* No fees of any kind.  No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees. 0% intro APR for up to 12 months. Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500. Pay in full, or carry a balance. Express Approval. Get a decision in less than 60 seconds.

Chase TravelPlus Visa® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 14.99%* None*   Earn 2 miles per $1 on travel purchases Earn 1 mile per $1 on all other purchases Annual rewards fee of $29 Redeem for airline tickets, cash, gift cards and more! Intro 0% Fixed APR for up to 12 months

Discover® More(SM) Card - Clear

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* Earn more cash in more ways than anyone elseSM* 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 for 6 months on Purchases, and 12 months on Balance Transfers

Discover® More(SM) Card - American Flag

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* Earn more cash in more ways than anyone elseSM* 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 for 6 months on Purchases, and 12 months on Balance Transfers

Discover® More(SM) Card - Sealife Collection

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* Earn more cash in more ways than anyone elseSM* 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 for 6 months on Purchases, and 12 months on Balance Transfers

Discover® More(SM) Card - Wildlife Collection

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* Earn more cash in more ways than anyone elseSM* 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 for 6 months on Purchases, and 12 months on Balance Transfers

Pulaski Bank Visa Gold

Intro APR Intro Period Regular APR Annual Fee 0% BT Only* 6 Months* 8.00%* None* 8.00% APR Low Rate No Annual Fee 0% Balance Transfers

Chase Platinum MasterCard®

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* 0% Intro APR for up to 12 months The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history No Annual Fee Interest-free grace period when you pay your bill in full each month FREE Online Account Access FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance

List of Low Introductory Rate Credit Cards

Quite a few credit card issuers offer attractive introductory rates as low as zero percent. If you carry a balance on your credit card, such offers are veryi advantageous. However, be aware that these low rates generally apply for a limited time only. As soon as the introductory period ends, the rate will increase to the card's regular rate.

Before applying for a specific credit card, it is important that you understand the terms and conditions of the introductory offer. Ask the credit card issuer:

• what transactions the introductory rate offer applies to;
• when the introductory period will end;
• what the interest rate will be at the end of the introductory period;
• if the introductory rate will end if you make a late payment or exceed the credit card limit;
• if any other fees or conditions apply.

Your strategy with low introductory rate offers

First, find out which transactions the offer applies to. If the low introductory rate applies only to balance transfers and/or cash advances (and not to purchases), limit your new purchases until you pay off the balance transfer or cash advance to save money in the long run.

When low introductory rate applies only to balance transfers, if you make purchases while carrying a balance, you may reduce the potential savings from the low introductory rate on your balance transfer or cash advance. That's because you lose the interest-free period on new purchases and your payments will be first applied to the lower-interest balance.

Don't base your credit card decision solely on one factor such as an attractive introductory rate. Make sure you understand all of the features and conditions of a card to decide whether it is right for you.