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Below are the credit cards with the lowest interest rate introductory offers. O% APR cards offer no interest on purchases and/or balance transfers. These offers are introductory and regular interest rates apply after the introductory period. Check how long the introductory period lasts, look for no fee and low ongoing interest rates.
For Business Cards with low intro APR, click here.

Compare Checked Cards
Compare  Top Choice Blue from American Express®
 Blue from American Express®
  • Enjoy the low APR - Enjoy a 0.00% APR on purchases for up to 15 months.
  • Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
  • Free Rewards Program - Earn points redeemable for travel, merchandise, and more.
  • No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 15 months* 12.24%* $0* yes* excellent*
Compare  Citi® Platinum Select® Card
 Citi® Platinum Select® Card
  • 0% APR* on balance transfers and purchases for 12 months.
  • APR of 11.24% after intro period
  • No annual fee
  • Citi® Identity Theft Solutions
  • $0 liability on unauthorized purchases
  • Secure, free online account management
  • Balance transfer fee may apply with this offer*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 12 months* 10.24%* $0* yes* good*
Compare  Discover® Open Road<small><sup>SM</sup></small> Card
 Discover® Open RoadSM Card
  • 0% Intro APR* for Purchases and Balance Transfers for 12 months
  • Full 5% Cashback Bonus® on gas and auto maintenance purchases*
  • Up to 1% Cashback Bonus on all other purchases automatically*
  • Unlimited cash rewards that never expire
  • No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 12 months* 10.99%* $0* yes* excellent*
Compare  Chase PerfectCard<sup><small>TM</small></sup>
 Chase PerfectCardTM
  • 6% rebates on ALL gas purchases at ANY gas station for the first 90 days*
  • 3% rebates on ALL 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 12 months**
  • No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 12 months* 14.24%* $0* yes* good*
Compare  Citi® Diamond Preferred® Card
 Citi® Diamond Preferred® Card
  • 0% APR* on balance transfers and purchases for 12 months
  • No annual fee
  • Citi Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management
  • Balance transfer fee may apply with this offer*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 12 months* 11.24%* $0* yes* good*
Compare  Discover® Platinum Card
 Discover® Platinum Card
  • 0% Intro APR* for Purchases and Balance Transfers for 12 months
  • 5% Cashback Bonus® in popular categories that change four times a year like gas stations, restaurants, clothing stores, travel and more*
  • Up to 1% Cashback Bonus on all other purchases automatically*
  • Unlimited cash rewards that never expire
  • $0 Fraud Liability Guarantee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 12 months* 10.99%* $0* yes* excellent*
Compare  Chase Platinum Visa®
 Chase Platinum Visa®
  • 0% Interest for up to 12 months on all purchases and balance transfers.
  • The length of your introductory period will be either 12 months for purchases and balance transfers or 3 months for balance transfers, depending on review of your application and credit history.*
  • 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 12 months* 14.24%* $0* yes* good*
Compare  Citi® Diamond Preferred® Rewards Card
 Citi® Diamond Preferred® Rewards Card
  • $50 gift card - Redeem 6,000 bonus ThankYou Points after first purchase*
  • 5 ThankYou Points® for every $1 you spend on purchases at supermarkets, drugstores and gas stations*
  • FREE rewards program
  • No annual fee
  • 0% APR* on balance transfers for 12 months
  • Citi Identity Theft Solutions
  • Balance transfer fee may apply with this offer*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed
0% on balance transfers* 12 months* 12.74%* $0* yes* good*
Compare  Citi® Dividend Platinum Select® Card
 Citi® Dividend Platinum Select® Card
  • 0% APR on balance transfers for 12 months.*
  • Earn 2% cash back on purchases at supermarkets, drugstores, gas stations, convenience stores, and utilities including cable, plus 1% on all other purchases*
  • Earn $5 cash back for every individual balance transfer transaction of $1,500 or more.
  • Earn unlimited cash back by shopping within the Citi® Dividend Merchant Network.
  • No annual fee.
  • Balance transfer fee may apply with this offer*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed
0% for balance transfers* 12 months* 13.74%* $0* yes* good*
Compare  The Citi Drivers Edge Platinum Select® Card
 The Citi Drivers Edge Platinum Select® Card
  • 6% rebates on purchases made at supermarkets, drugstores, and gas stations for first 12 months, 3% rebates after that*
  • Earn Rebates for every mile you drive*
  • Rebates can be applied toward car maintenance or buying a new car!*
  • Balance transfer fee may apply with this offer*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed
0% on balance transfers* 12 months* 14.24%* $0* yes* good*
Compare  AT&T Universal Platinum MasterCard
 AT&T Universal Platinum MasterCard
  • 0% APR on balance transfers for 12 months*
  • Low ongoing APR*
  • No annual fee
  • 2 free directory assistance inquiries per month
  • Up to 30 free phone minutes per month, anytime, anywhere
  • Balance transfer fee may apply with this offer*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed
0% on balance transfers* 12 months* 12.10%* $0* yes* good*
*see complete terms and conditions on application page.
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