Both low APR and cash back cards have their advantages and disadvantages. It is you who have to decide, which one will suit you better. The low APR card can be ideal if your major priority is a card that will not require you to pay off your balance every month. Contrary to the low APR card, the cash back card suits more to those who are inclined to pay off their balance completely each month. The attractive feature about this card is that you can win rewards for the money you spend. Finally, it is your assessment about your financial situation that matters the most in buying credit cards.