Both 0% Intro and BT

Both 0% Intro and BT Low interest credit cards offer a low introductory % rate for a limited time (6 months depending on the issuer) and a competitive fixed or variable rate thereafter, which is based off of the prime rate plus an added percentage rate.
  • Editor's Rating: 9.5 Top Pick
  • Consumer Rating: (25 ratings) 8.1
Intro APR: 0%
Regular APR: 11.99% - 19.99%* (Variable)
Annual Fee: None
Intro Period: 18 months on Balance Transfers*, 12 months on Purchases*
Balance Transfer: Yes*
Credit Needed: Good

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  • 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
  • Editor's Rating: 9.0
  • Consumer Rating: (20 ratings) 8.9
Intro APR: 0%*
Regular APR: 11.99% - 20.99% (Variable)*
Annual Fee: None
Intro Period: 6 Months*
Balance Transfer: Yes*
Credit Needed: Excellent

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  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • 0% intro APR on purchases for a full 6 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
  • Editor's Rating: 8.0
  • Consumer Rating: (1 ratings) 9.0
Intro APR: 0% if you qualify*
Regular APR: 12.99% - 19.99%* (Variable)
Annual Fee: None
Intro Period: 12 months on BTs
Balance Transfer: Yes*
Credit Needed: Good

Don't know your Credit Score? Click here

  • Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
  • 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
  • Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
  • No annual fee

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