Are low APR credit card offers right for you? If you’re shopping for low interest credit cards, you should start by identifying how you use your credit now and how you want to use it in the future. If you pay off your balance in full each month, you may not need to search for the best low rate credit cards, since you don’t pay any interest on your charges. If you do carry a balance, though, you should compare low APR credit card offers to find a card with a low rate.