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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 on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when 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 15 months (17.24% - 28.24% Variable APR after that).