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Low Intro APR Credit Cards from Our Partners

Editors Rating: 4.5/5

Check out these great deals on credit cards with super low introductory rates in 2015

The credit cards you'll find listed below offer some of the lowest introductory rates available (how can you get much lower than a 0% introductory rate?!)  Many of the offers are only available for a limited time, so take advantage of them right now. 

Low and Zero-Percent Introductory APR Credit Cards

When credit card companies are in an aggressive marketing mode - which is often - you'll see an increase in credit card offers with special introductory terms. These may include things like cash back on new purchases, favorable terms on balance transfer cards, or a low introductory interest rate. Zero percent is as low as those introductory rates can get, so when you see such offers, you should pay attention.

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Apply online forCommerce Bank® Unlimited Cash Back1 Rewards Credit Card
Apply Now
Credit Needed:
Excellent, Good

Commerce Bank® Unlimited Cash Back1 Rewards Credit Card


Editor's Rating:5 Stars
  • 0% Intro APR3for 12 monthly billing cycles for purchases and balance transfers, then 14.49% - 27.49% Variable APR4. Balance Transfer fee of 5%, $10 minimum.
  • $0 Annual Fee*
  • 3% Cash Back1 at Coffee Shops, Fast Food Locations and on Ridesharing Services2
  • 2% Cash Back1 at Gas Stations2 and Restaurants2
  • Plus, 1% Cash Back1on all other purchases! Cash Back redemption is applied as a statement credit.
  • Unlimited Cash Back1on every purchase - no rotating categories, no sign ups and no point caps
Apply online fortoggle® Unlimited 1.5% Cash Back1 Credit Card from Commerce Bank
Apply Now
Credit Needed:
Excellent, Good

toggle® Unlimited 1.5% Cash Back1 Credit Card from Commerce Bank


Editor's Rating:5 Stars
  • Unlimited 1.5% Cash Back1 on every purchase - no exclusions, no sign ups and no point caps!
  • $150 Cash Back Bonus2 after you spend $1,000 on purchases in your first 3 months from account opening.
  • toggle® tools allow you to create and change settings for what, when and how you pay.
  • Earn rewards on everything and never owe interest on daily purchases if you choose to pay those transactions with auto-pay.
  • The only card you need: one card connected to your checking account means simpler tracking, account management and spending with the unique, flexible and easy-to-use tools toggle®offers.
  • $0 Annual Fee*
  • Redeem for Cash Back1 or choose from gift cards, travel, merchandise and more. Cash Back redemption is applied as a statement credit.
Apply online forPenFed Gold Visa® Card
Apply Now
Credit Needed:
Excellent

PenFed Gold Visa® Card


Editor's Rating:5 Stars
  • $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • 0% APR promo balance transfer rate for 12 months now through September 30, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 9.24% to 17.99%. APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Rate and offers current as of August 1, 2019 and are subject to change.
  • No annual fee
  • No foreign transaction fee
  • No cash advance fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable Rate As Low As 9.24% APR
Apply online forHorizon Gold Card
Apply Now
Credit Needed:
Bad, Limited/No Credit

Horizon Gold Card


Editor's Rating:4 Stars
  • No Credit Check
  • Fast Online Application
  • Reports to Major Credit Bureau
  • Always 0.0% APR on Purchases

Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.


This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. IndexCreditCards.com does not review every company or every offer available on the market.

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