Both 0% Intro and BT

Both 0% Intro and BT Low interest credit cards offer a low introductory % rate for a limited time (6 to 15 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: (13 ratings) 9.5
Intro APR: 0%
Regular APR: As Low As 6.74%
Annual Fee: None
Intro Period: up to 12 Months
Balance Transfer: Yes*
Credit Needed: Good

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  • 0% APR* on balance transfers and purchases for up to 12 months
  • No annual fee
  • Citi® Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management

  • Editor's Rating: 9.0
  • Consumer Rating: (14 ratings) 9.2
Intro APR: 0%
Regular APR: 10.99%
Annual Fee: None
Intro Period: 12 Months
Balance Transfer: Yes*
Credit Needed: Excellent

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  • Earn more cash in more ways than anyone else(SM)*
  • Unlimited cash rewards, automatically
  • Up to 20% Cashback Bonus® when you shop online*
  • Double rewards with more than 100 Cashback Bonus Partners*
  • Customer Service in less than a minute, anytime you want
  • Editor's Rating: 8.0
  • Consumer Rating: (6 ratings) 8.2
Intro APR: 0%
Regular APR: As Low As 8.99%
Annual Fee: None
Intro Period: up to 12 Months
Balance Transfer: Yes*
Credit Needed: Excellent

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  • Earn up to 6% Cash Back on purchases; a full 1% cash back on every purchase PLUS an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center.
  • Earn a 20% bonus on the cash back earned on all purchases for the first 12 months
  • Checks will be sent automatically every time you earn $50
  • 0% APR* on balance transfers for up to 12 months
  • No annual fee
  • Editor's Rating: 9.0
  • Consumer Rating: (4 ratings) 9.8
Intro APR: 0%
Regular APR: 8.90%
Annual Fee: None
Intro Period: Until January 2010
Balance Transfer: Yes
Credit Needed: Excellent

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  • Save with a 0% intro APR until January 2010 on purchases and balance transfers
  • Then enjoy a variable APR, now 8.9%
  • Save time and money by transferring higher-rate balances so you can make one easy payment each month
  • No annual fee

  • Editor's Rating: 7.5
  • Consumer Rating: (3 ratings) 7.7
Intro APR: 0%
Regular APR: 12.90%
Annual Fee: None
Intro Period: Until January 2010
Balance Transfer: Yes
Credit Needed: Good

Don't know your Credit Score? Click here

  • Save with a 0% intro APR until January 2010 on purchases and balance transfers
  • Save time and money by transferring higher-rate balances so you can make one easy payment each month
  • No annual fee

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