Introductory rates for credit card offers are running significantly lower than last fall. According to CardWeb’s CardWatch service(www.cardwatch.com), teaser rates of 2.9%, 3.9% and 4.9% are emerging as this year’s most common pricing compared to the 5.9% and 6.9% intro rates for 1997. This week, Travelers Bank USA unleashed its new ‘Quicken Platinum VISA’ with no-annual-fee and 0% APR for the first six months. The 0% intro rate applies to new purchases only. A 5.9% intro rate applies to balance transfers and cash advances. The on-going APR is prime +7.9%. The ‘Quicken Platinum VISA’ offers cardholders the ability to download card activity via dial-up connection or Internet access. The personal financial software also categorizes transactions. Travelers is also offering ‘Quicken Platinum VISA’ cardholders an optional ‘TravelersMiles’ rewards program for $39 per year. CardWatch is a real-time library of credit card marketing campaigns including direct mail solicitations, print ads, TV spots, and online ads.