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Category - Low Introductory Period

Low Introductory Credit Cards

Providing short term savings, a low introductory card can be a perfect fit if you carry a balance, or intend to make a large purchase, and intend to pay off the balance before the intro period ends. Special attention should be given to the terms of the offer and payments must be made on-time to insure the ongoing low or zero percentage interest rate.

Appearance

Official Name, Features, Rates and Fees

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

Annual Fee	Credit Level	Intro Rate	Intro Length	Normal Rate
None	Very Good	0*	9 Mo.*	11.99% - 20.99% (Variable)*

Blue Cash(R) from American Express

0% intro APR on purchases for 6 months and no annual fee
Flexibility to pay over time
Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
Receive your cash back automatically as a statement credit

Annual Fee	Credit Level	Intro Rate	Intro Length	Normal Rate
No	Very Good	See Terms*	See Terms*	17.24%-21.24% Variable

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.
Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.

Annual Fee	Credit Level	Intro Rate	Intro Length	Normal Rate
See Terms*	Good	See Terms*	See Terms*	15.24% variable

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

Annual Fee	Credit Level	Intro Rate	Intro Length	Normal Rate
$0- $59*	Good	n/a	n/a	14.99% or 21.99% Variable

PenFed Promise VISA Card

Absolutely No Fees!
Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR.
No Balance Transfer Fees – Good till June 30, 2010
No Foreign Transaction Fees!
Some restrictions apply.
You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. Click here to learn more.

Annual Fee	Credit Level	Intro Rate	Intro Length	Normal Rate
None	Good	7.49	36 Mo.	9.99%

* See the online credit card application and web site for specific terms and conditions of any offer.
Reasonable efforts are made to maintain the accuracy of the information presented on this website.
All information is presented without warranty. You can click on the "Apply Now" graphic to examine the credit card terms and conditions directly on the credit card issuer's web site .


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