Which company has the best low rate credit card offer?

The lowest APR is giving by Sainsbury's bank , where credit rate = 7.8% APR. There's no 0% period, but they give you 10 nectar points per every 1£ shopping on Sainsbury's. Another possibility is to have cash back card, where they will give you 5£ each month when you spend 500£ on shopping (Sainsbury's plus other retailers)