Credit Cards – Credit Card Offers

Low Intro APR Credit Cards

Written by mcraceavatar

When it comes to choosing a credit card, there are a number of options that you have to pick from. For some customers, getting a card with a low intro APR (annual percentage rate) is critical. By getting this type of card, you could potentially pay down some of your debts and save money on interest at the same time.

How it Works

A low intro APR credit card is one that comes with a low interest rate for a certain amount of time. For example, you may get a low interest rate for a period of 12-months after you open your account. Then, after the introductory interest rate has expired, the interest rate jumps up to a higher, usually fixed percentage, which should be revealed when you sign up for the card.

Balance Transfers

These cards are very attractive to individuals who need to transfer a balance from another credit card account. With this type of credit card, you can transfer debt from a credit card that has a high interest rate. Then you have until the introductory rate period is up to pay down the debt. In some cases, you can actually get a card that has a zero percent interest rate during the introductory period. During this phase, you will not have to pay a dime of interest on the debt. If you have a significant amount of credit card debt, this can be a good way to pay down your debt relatively quickly.


While choosing a credit card with a low intro APR is attractive and can be advantageous, you need to make sure that you understand where the rate goes afterward. If the rate jumps up to a very high interest rate after the intro period, it can affect you negatively. You should instead try to find a card that has a low intro APR and a reasonable ongoing APR.