The best rates for the discover cards are the low introductory rates they offer when you first sign up for the credit card. After the period ends it is based upon your credit score.
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There are numerous credit card companies that offer credit cards with low interest rates. American Express, Discover, Bank of America, Chase and Capital One are just a few of the credit card companies that offer low rates.
As much as capital one offers great rates, I find them to be in competition with discover cards. You can occationally find lower rates through your local bank and near holidays.
There are a number of online sites which contain comprehensive lists of credit cards and their respective rates. The web domain "BankRate," for example, is a good resource for finding the best available rates.
There are several benefits to using Discover credit cards, among these are the lack of annual, over limit or foreign transaction fees. Customer service is based in the U.S.A and Discover will lower rates, payments or provide help in the event you lose your job.
The best credit cards with the lowest APR are offered by Capital One. By clicking on the lowest APR rate option, the site lists all of the available cards with the lowest intro and regular APR rates.