When analysing credit cards you will notice that some providers give you better offer on one hand, then take it away on the other, 0% balance transfer for 6 months, may mean a higher interest rate on your purchases after that initial period. The following cards have low APR percentages, which means that you get a better rate if you are using the card as your main credit card. You also receive cash back on purchases for some of the cards.  The lowest APR cards start at the top.