Look at the low interest credit cards we offer. For example, the Discover it®- Double Cash Back your first year card may be of interest to you. It comes with a 0% intro APR on purchases and balance transfers. The ongoing variable interest rate will be lower than of PayPal credit card and will depend on your creditworthiness. The up to date interest rates you can see on card’s terms and conditions. The card has cash back rewards program – you will earn 1% cash back on all purchases and 5% cash back in rotating categories. The cash back never expire. There is no annual fee and your first late payment won’t raise your APR.