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 Card

Intro APR Intro Period Regular APR Annual Fee 0%** 6 Months** 11.99 - 20.99 (Variable)*%* None* 0% intro APR on balance transfers for a full 15 months, then the Regular APR 0% intro APR on purchases for a full 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

Discover® Open Road Card

Intro APR Intro Period Regular APR Annual Fee 0%** 6 Months** 11.99 - 20.99 (Variable)*%* None* 2% Cashback Bonus automatically at any gas station and any restaurant 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall Up to 1% unlimited Cashback Bonus on all other purchases 0% intro APR on balance transfers for 12 full months, then the Regular APR 0% intro APR on purchases for 6 months, then the Regular APR

Miles by Discover® Card

Intro APR Intro Period Regular APR Annual Fee 0%** 6 Months** 10.99 - 16.99 (Variable)*%* None* 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 Overlimit Fee, No Redemption Fee

Discover® MotivaCard

Intro APR Intro Period Regular APR Annual Fee 3.99%** 12 Months** 11.99 - 20.99 (Variable)*%* None* Cash rewards for your good credit management Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall Up to 1% unlimited Cashback Bonus on all other purchases 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR 3.99% intro APR on purchases for a full 12 months, then the Regular APR

* This online application is subject to the terms and conditions as described in the Important Information Section of the application.
*See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here" button, you can review the credit card terms and conditions on the cooresponding card issuer’s website.

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.