In general, a card with an annual percentage rate, or APR, above ten percent will not be considered a low-interest credit card. If you’re looking for a card that offers a good APR, you’ll want to stay away from store credit cards and focus your search on cards that are issued by larger networks, such as American Express, Discover, MasterCard, and Visa. Regular consumer credit cards that you can get from big banks like Chase, Citi, and Bank of America will give you a good deal on your APR, especially if you have good credit. Many cards look at your credit report before offering you their premier credit card or their regular one. The premier card will have a lower APR and better rewards, but either is preferable to a store credit card with a high rate.