Low Introductory Rate credit cards have a very low or zero rate for the first 6-12 months. After the introductory period, the rate will rise to an average rate. The low introductory period rate may apply to purchases, balance transfers or both. Low intro credit cards can save a significant amount of money if you carry a high balance from month-to-month or are expecting a large purchase.

Discover® More Card- Black 0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 9 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   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Very Good 0* 9 Mo.* 11.99% - 20.99% (Variable)* None Yes	Citi® Platinum Select® MasterCard® 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate* Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more Citi® Identity Theft Solutions Secure, free online account management No annual fee   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Very Good 0 12 Mo. on Purchases* 11.99% - 19.99%* (Variable) None Yes
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   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Good n/a n/a 14.99% or 21.99% Variable $0- $59* No	Starwood Preferred Guest(R) Credit Card from American Express Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel. Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates No annual fee for the first year and $45 thereafter Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners Express Approval. Get a decision in less than 60 seconds.   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Good See Terms* See Terms* 15.24% variable See Terms* Yes