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Compare low interest credit cards

  - Looking for a low APR credit card? Compare low rate cards here. Great if you don't want to keep having to transfer your balance!
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Compare the best Low Rate Credit Cards

Compare
Up to 3 products
side by side 		APRInterest Free DaysAdditional InformationSearch all
223 Credit Cards
 
Sainsbury's Finance

Low Rate Credit Card M'Card		6.9%56 days
  • One of the lowest standard interest rates on the market
  • Rates dependent on credit rating
  • You can't earn Nectar points with this card
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 6.95% variable per annum for purchases. Representative 6.9% APR variable. 
Barclaycard

Platinum Simplicity Visa		7.9%56 days
  • No balance transfer fee
  • Can't change payment due date
  • Contactless payments up to £15
Details...
Proceed		 
  Representative Example: Based on a credit limit of £1200.00 charged at 7.9% variable per annum for purchases. Representative 7.9% APR variable. 
The Co-operative Bank

Platinum Tracker Visa		8.4%46 days
  • Discounts when using card at Co-operative Travel
  • Monthly fee of £2
  • Manage your card online
Details... 
  Representative Example: Based on a credit limit of £5000.00 charged at 4.594% variable per annum for purchases. Annual fee of £24 applies. Representative 8.4% APR variable. 
Capital One

Click Card MasterCard		9.9%56 days
  • Exclusive discounts with selected online retailers
  • Rates dependent on credit rating
  • Identity theft assistance
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 9.94% variable per annum for purchases. Representative 9.9% APR variable. 
The Co-operative Bank

Platinum Fixed Rate Visa		9.9%46 days
  • Discounts when using card at Co-operative Travel
  • Can't change payment due date
  • Interest rate fixed for 5 years
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 9.9% variable per annum for purchases. Representative 9.9% APR variable. 
SAGA

Over 50's Platinum Visa		11.9%55 days
  • Discounts within the Saga travel group
  • No transfers from other Allied Irish Bank cards
  • Emergency cash service available
Details...
Proceed		 
  Representative Example: Based on a credit limit of £1200.00 charged at 11.9% variable per annum for purchases. Representative 11.9% APR variable. 
Lloyds TSB

Advance MasterCard		11.9%0 days
  • 24 hour customer service
  • Can't change payment due date
  • Manage your card online
Details...
Proceed		 
  Representative Example: Based on a credit limit of £1200.00 charged at 11.95% variable per annum for purchases. Representative 11.9% APR variable. 
Halifax

Clarity Credit Card MasterCard		12.9%59 days
  • No balance transfer fee
  • Rates dependent on credit rating
  • Manage your card online
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 12.92% variable per annum for purchases. Representative 12.9% APR variable. 
The Co-operative Bank

Clear Visa		12.9%59 days
  • Discounts when using card at Co-operative Travel
  • Can't change payment due date
  • Manage your card online
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 12.9% variable per annum for purchases. Representative 12.9% APR variable. 
Virgin Money

All Round Credit Card MasterCard		15.8%50 days
  • Get exclusive offers within the Virgin Group
  • No balance transfers from MBNA cards
  • Contactless payments up to £15
Details...
Proceed		 
  Representative Example: Based on a credit limit of £1200.00 charged at 15.8% variable per annum for purchases. Representative 15.8% APR variable. 
Lloyds TSB

Duo Avios Amex		15.9%56 days
  • Get Avios for transferring your balance
  • Rates dependent on credit rating
  • Receive both a MasterCard and an American Express
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 15.94% variable per annum for purchases. Representative 15.9% APR variable. 
Lloyds TSB

Duo Avios MasterCard		15.9%56 days
  • Get Avios for transferring your balance
  • Rates dependent on credit rating
  • Receive both a MasterCard and an American Express
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 15.94% variable per annum for purchases. Representative 15.9% APR variable. 
Disclaimer:
Fees and rates subject to change without notice. Check all rates and terms before borrowing. Assumptions have been made in calculating savings/costs. The figures should be used to illustrate potential savings and should be confirmed with credit card providers.

Moneyfacts.co.uk Limited is an independent credit broker. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence.

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What are Low Interest Credit Cards?

Maybe not as exciting as a long 0% purchase or balance transfer card, a low interest card offers a no-frills option at a lower standard rate of interest for purchases.

Low Interest Credit Cards is suitable for you if you don’t think you’ll be able to clear your balance within the introductory period of a 0% purchase or balance transfer card, and don’t want to keep transferring your balance. Because of the lower standard rate, this type of card tends to work out more economical over the long term, if you think you might need several years to repay your balance. It might also be suitable if you occasionally don’t repay your full balance at the end of the month, but don’t want to go through the rigmarole of changing to a 0% purchase card every year.

This said, some low purchase rate credit cards also offer a 0% introductory purchase or balance transfer period, reward points or cashback as well. However, when selecting your card, be sure that the standard purchase rate remains your primary consideration