If you need a low APR credit card look at these credit card offers. For example, you may consider credit card with cash back rewards, 0% intro APR and no annual fee – the Discover it® Cash Back credit card. The Discover it® Cash Back credit card can be used everywhere Discover cards are accepted. You will be able to earn 1% cash back rewards on all your purchases. Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Cash back rewards never expire and you will be able to redeem them any time you wish. There is no annual fee and the intro APR on purchases will be 0% for 14 months (13.74% – 24.74% Variable after that).