Low Intro APR Credit Cards from Discover (2024)

Choose the right low intro APR credit card for you

Cash Back Credit Card

★★★★★

x / 5 Average ofx Reviews

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Earn 5% cash back

On everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

No annual fee

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.There is no limit to how much we'll match.¹

x% Intro APR^† for x months on purchases and balance transfers andx% Intro Balance Transfer Feeuntil .

Then x% to x% Standard Variable Purchase APR and up to x% feefor future balance transfers will apply.

^†See rates, rewards, fees, and other cost information > , Opens new window

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★★★★★

x / 5 Average of x Reviews

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Earn 2% Cashback Bonus^®

at Gas Stations and Restaurants on up to $1,000 in combined purchases eachquarter, automatically.² Plus, earn unlimited 1% cash back on all other purchases.

No annual fee

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.There is no limit to how much we'll match.¹

x% Intro APR^† for x months on purchases and balance transfers andx% Intro Balance Transfer Feeuntil .

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

^†See rates, rewards, fees, and other cost information > , Opens new window

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Travel Credit Card

★★★★★

x / 5 Average of x Reviews

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Earn unlimited 1.5x Miles

on every dollar of every purchase — from airfare and hotels to groceries and online shopping.

No annual fee

Unlimited Discover Match^®

We’ll automatically match all the Miles you’ve earned at the end of your first year.¹There's no signing up, no minimum spending or maximum rewards. Just a dollar-for-dollar match.

x% Intro APR^† for x months on purchases and balance transfers.x% Intro Balance Transfer Feeuntil .

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

^†See rates, rewards, fees, and other cost information > , Opens new window

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Intro APR credit cards for purchases

Student Cash Back Credit Card

★★★★★

x / 5 Average of x Reviews

See howwe calculate our ratings

Earn 5% cash back

On everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

No annual fee

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.There is no limit to how much we'll match.¹

x% Intro APR^† for x monthson purchases.

Then x% - x% Standard Variable Purchase APR will apply.

^†See rates, rewards, fees, and other cost information > , Opens new window

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Student Chrome Credit Card

★★★★★

x / 5 Average of x Reviews

See how we calculate our ratings

Earn 2% Cashback Bonus^®

at Gas Stations and Restaurants on up to $1,000 in combined purchases eachquarter, automatically.² Plus, earn unlimited 1% cash backon all other purchases.

No annual fee

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.There is no limit to how much we'll match.¹

x%Intro APR^† for x monthson purchases.

Then x% - x% Standard Variable Purchase APR will apply.

^†See rates, rewards, fees, and other cost information > , Opens new window

Apply Now

Learn More >

How can Intro APR credit cards save you money?

When you carry a balance on a credit card, the interest charges could add up. A low intro APR on your account means you will pay less ininterest charges during the introductory period.

0% Intro APR on Purchases Offers Can Help

Maybe you have an unexpected expense, or you want to take a big trip and you haven’t saved enough to pay for it in advance. When you have a 0% Intro APR on purchases, you won’t be charged interest on purchases during the intro period. But be sure to pay at least the monthly minimum due and more if you can. Once the intro period expires, the standard purchase APR will apply to the remaining balance.

0% Intro APR on Balance Transfers Provide Flexibility

If you’ve run up a balance on a high interest rate credit card, you can transfer it to a Discover Card with a 0% Intro APR on balance transfers. When you have a low intro rate on your account, you can transfer it to a card with a 0% Intro APR on balance transfers. Be sure to understand the amount of the balance transfer fee, so you can accurately predict your potential savings. Any remaining balance at the end of the intro period will accrue interest at the standard rate.

Apply for a Discover credit card with a low intro APR

See if you're pre-approved with no harm to your credit score. Check your status now.⁴

Find Out if I'm Pre-Approved

Learn more about low intro APR credit cards

APR or annual percentage rate is the interest rate on a credit card account stated as a yearly rate. A 0 percent Intro APR credit card means that the temporary interest rate is zero. A credit card with a zero percent Intro APR offer on purchases lets you carry a balance during the offer period without accruing interest. But you will have to make minimum payments each month, and you should plan to pay the full balance before the end of the intro period.

If you don’t pay your entire balance in full and on time each month, you will be charged interest on your purchases. With a 0% Intro APR on purchases, you pay no interest on your purchases for the length of the introductory period. You do have to pay the minimum monthly payment even when you have a 0% APR during the intro period. Once the intro period ends, the APR will return to the standard purchase APR, so it’s a good idea to plan to pay off your balance in full before the end of the 0% APR intro term.

Discover offers credit cards with low intro APR periods of up to 15 months, depending on which card you qualify for. Checking to see if you’re pre-approved is fast, easy and won’t impact your credit score.⁴

Yes, you will earn cash back or Miles on new purchases made on your Discover Card, whether or not you’re using a 0% Intro APR offer. If you transfer a balance to your Discover Card, you won’t earn cash back or Miles rewards on the transferred balance, but you’ll continue to earn rewards on any purchases you make on your new credit card.

During the introductory period, you won't owe any interest. But if you don't pay off the balance in full before the end of the introductory period, any unpaid balance will accumulate interest at the credit card's standard interest rate.

The interest rate on your credit card doesn't affect your credit score, but opening a new credit card account can temporarily lower your score. And remember, if you run up a high balance because you have a low introductory interest rate, you may increase your credit utilization ratio and hurt your credit score. However, opening a new account and keeping the balance low can improve your credit score, so once you pay off the purchases your make on your new account, your credit score may go up.

Using credit responsibly to establish and maintain a good credit history may help you qualify for a low intro APR.Responsible use of credit may include paying your bills by the due date and keeping your balances low.

Some 0% Intro APR card offers temporarily give you an interest rate of zero on new purchases, and other credit cards offer a 0% Intro APR only on balance transfers. Some Discover Cards offer a 0% Intro APR on both purchases and balance transfers.

Usually a 0% Intro APR balance transfer offer comes with a fixed transfer fee that you pay upon transferring your balance.

Cash Back Credit Cards:Discover it^®Cash Back, Gas &Restaurant Card, NHL^®Discover it^®

Travel Credit Card:Discover it^®Miles

Student Credit Cards:Discover it Student^®Cash Back, Student Chrome Card

Cash Back Credit Cards

Intro purchase APR is x%for xmonths from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Cash APR: x% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Travel Credit Card

Intro purchase APR is x% for xmonths from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for xmonths from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: x%variable to x%variable, based on your creditworthiness. Cash APR: x%variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: x%Intro fee on balances transferred by and up to x%fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Student Credit Cards

Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: x% - x% variable, based on your creditworthiness. Cash APR: x% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: x%Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Cashback Match:We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.
Discover Match^®:We'll match all the Miles rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned Miles rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.
2% Cash Back at gas and restaurants:You earn a full 2%Cashback Bonus^® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter.Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more atDiscover.com/digitalwallets.SeeCashback Bonus Program Terms and Conditionsformore information.
About product reviews: We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.
There is no hard inquiry to your credit report to check if you’re pre-approved. If you’re pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants cannot be pre-approved for the NHL Discover Card.

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As a seasoned expert in the field of credit cards and personal finance, I bring a wealth of knowledge and practical experience to guide you through the intricate landscape of credit card options. Having delved deep into the intricacies of credit card features, rewards programs, and financial implications, I am here to demystify the concepts and help you make informed decisions.

Now, let's dive into the article discussing various credit card options and the associated concepts:

1. Cash Back Credit Card

Features:
- Earn 5% cash back on everyday purchases at different places each quarter, up to the quarterly maximum, upon activation.
- Unlimited 1% cash back on all other purchases.
- No annual fee.
- Unlimited Cashback Match: Dollar-for-dollar match of all cash back earned at the end of the first year.
Introductory APR:
- x% Intro APR for x months on purchases and balance transfers.
- x% Intro Balance Transfer Fee until [specified date].
- Standard Variable Purchase APR of x% to x%, with potential fees for future balance transfers.

2. Travel Credit Card

Features:
- Earn unlimited 1.5x Miles on every dollar of every purchase.
- No annual fee.
- Unlimited Discover Match: Automatically matches all earned Miles at the end of the first year.
Introductory APR:
- x% Intro APR for x months on purchases and balance transfers.
- x% Intro Balance Transfer Fee until [specified date].
- Standard Variable Purchase APR of x% to x%, with potential fees for future balance transfers.

3. NHL® Credit Card

Features:
- Earn 5% cash back on everyday purchases at different places each quarter, up to the quarterly maximum upon activation.
- Unlimited 1% cash back on all other purchases.
- No annual fee.
- Unlimited Cashback Match: Dollar-for-dollar match of all cash back earned at the end of the first year.
Introductory APR:
- x% Intro APR for x months on purchases and balance transfers.
- x% Intro Balance Transfer Fee until [specified date].
- Standard Variable Purchase APR of x% to x%, with potential fees for future balance transfers.

4. Intro APR Credit Cards for Purchases

Student Cash Back Credit Card:
- Earn 5% cash back on everyday purchases at different places each quarter, up to the quarterly maximum upon activation.
- Unlimited 1% cash back on all other purchases.
- No annual fee.
- Unlimited Cashback Match: Dollar-for-dollar match of all cash back earned at the end of the first year.
- x% Intro APR for x months on purchases.
Student Chrome Credit Card:
- Earn 2% Cashback Bonus at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
- Unlimited 1% cash back on all other purchases.
- No annual fee.
- Unlimited Cashback Match: Dollar-for-dollar match of all cash back earned at the end of the first year.
- x% Intro APR for x months on purchases.

5. How Intro APR Credit Cards Save Money

0% Intro APR on Purchases:
- No interest charges during the introductory period.
- Pay at least the monthly minimum due to avoid interest after the intro period.
0% Intro APR on Balance Transfers:
- Transfer high-interest balances to enjoy a 0% Intro APR.
- Be aware of balance transfer fees and plan for potential savings.

6. Understanding Intro APR and Responsible Credit Use

Intro APR Defined:
- Annual Percentage Rate (APR) is the interest rate stated as a yearly rate.
- 0% Intro APR means zero temporary interest during the introductory period.
Credit Score Impact:
- Opening a new credit card may temporarily lower your credit score.
- Responsible credit use, including timely payments and low balances, can improve your score.
Discover's Offer:
- Discover offers credit cards with low intro APR periods, up to 15 months based on eligibility.
- Check pre-approval status without impacting your credit score.
Earning Rewards:
- You can earn cash back or Miles on new purchases, even with a 0% Intro APR offer.
- No rewards on transferred balances, but rewards continue on new card purchases.
Interest After Intro Period:
- During the intro period, no interest accrues.
- Unpaid balance after intro period accumulates interest at the standard rate.
Establishing Good Credit:
- Responsible credit use helps establish and maintain good credit.
- Some 0% Intro APR offers apply to new purchases, balance transfers, or both.

In conclusion, understanding the nuances of credit card options, introductory APR, and responsible credit use is essential for making well-informed financial decisions. Whether you're seeking cash back, travel rewards, or student-friendly features, choosing the right credit card involves considering your spending habits, financial goals, and the specific terms of each card. If you're interested in low intro APR credit cards, Discover provides options with competitive terms and rewards programs. Remember, responsible credit management is key to maximizing the benefits while minimizing potential drawbacks.