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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 forHSBC Gold Mastercard® credit card
Apply Now
Credit Needed:
Good, Excellent

HSBC Gold Mastercard® credit card


Editor's Rating:5 Stars
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.49%, 16.49% or 20.49% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Apply online forHSBC Cash Rewards Mastercard® credit card
Apply Now
Credit Needed:
Good, Excellent

HSBC Cash Rewards Mastercard® credit card


Editor's Rating:5 Stars
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.49%, 18.49% or 24.49% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Apply online forABOC Platinum Rewards Credit Card
Apply Now
Credit Needed:
Excellent/Good

ABOC Platinum Rewards Credit Card


Editor's Rating:4 Stars
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
  • Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Apply online forCommerce Bank 1.5% Cash Back Rewards Card
Apply Now
Credit Needed:
Excellent, Good

Commerce Bank 1.5% Cash Back Rewards Card


Editor's Rating:5 Stars
  • Unlimited 1.5% Cash Back on every purchase - no exclusions
  • Cash Back redemption is applied as a statement credit
  • $150 Cash Back Bonus2 after you spend $500 on purchases in your first 3 months from account opening
  • Redeem for Cash Back1 or choose from gift cards, travel, merchandise, and more
  • 0% Intro APR for 12 monthly billing cycles for purchases and balance transfers, then 11.24%-21.24% Variable APR. Balance Transfer fee of 5%, $10 minimum.
  • View your FICO® Score for free on your monthly statement
  • No Annual Fee
Apply online forPenFed Gold Visa® Card
Apply Now
Credit Needed:
Excellent

PenFed Gold Visa® Card


Editor's Rating:5 Stars
  • 0% APR promo balance transfer rate for 12 months now through September 30, 2018. After that, the APR for the unpaid balance and any new balance transfers will be 8.99% to 17.99%. APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of April 1, 2018 and 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 8.99% APR
Apply online forPenFed Pathfinder Rewards American Express® Card
Apply Now
Credit Needed:
Excellent

PenFed Pathfinder Rewards American Express® Card


Editor's Rating:5 Stars
  • 0% APR promo balance transfer rate for 12 months with 3% balance transfer fee now through September 30, 2018. After that, the APR for the unpaid balance and any new balance transfers will be 11.99% to 17.99%. APR will vary with the market based on Prime Rate. Subject to credit approval.
  • Earn 25,000 Bonus Points by spending $2,500 in the first 90 days of opening account.
  • Earn 4X Points on travel purchases through the PenFed Honors Advantage program. Earn 3X points on travel purchases for all other card holders.
  • Earn 1.5X points on all other purchases.
  • $100 Annual Travel Fund Benefit
  • $100 Global Entry or $85 TSA PreCheck Benefit every 5 years
  • No caps or limits on rewards. No annual or foreign transaction fees.
  • Chip enabled for added security.
  • Variable rate as low as 11.99% APR. Rate and offers current as of April 1, 2018 and are subject to change.
  • Federally insured by NCUA.

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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