Moneyfacts.co.uk have sourced the best low interest credit cards to bring you the best deals.

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

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APRInterest Free DaysAdditional InformationSearch all209 Credit Cards
 
Tesco Bank

Clubcard Credit Card with Low APR MasterCard
5.9%51 days
  • Earn Tesco Clubcard points for spending on your card
  • Rates dependent on credit rating
  • No fees on Tesco travel money
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 5.94% variable per annum for purchases. Representative 5.9% APR variable. 
Sainsbury's Bank

Nectar Low Rate Credit Card MasterCard
5.9%56 days
  • One of the lowest standard interest rates on the market
  • Rates dependent on credit rating
  • Manage your card online
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 5.94% variable per annum for purchases. Representative 5.9% APR variable. 
AA

Low Rate Credit Card MasterCard
6.4%56 days
  • Low purchase rate of 6.4% APR
  • Rates dependent on credit rating
  • AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Ltd is a credit broker and not a lender
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 6.4% variable per annum for purchases. Representative 6.4% APR variable. 
Bank of Scotland

Platinum Low Rate MasterCard
6.4%56 days
  • Emergency card replacement
  • £5 charge if you need to change payment due date
  • Manage your card online
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 6.45% variable per annum for purchases. Representative 6.4% APR variable. 
Lloyds Bank

Platinum Low Rate MasterCard
6.4%56 days
  • 24 hour customer service
  • Can't change payment due date
  • Manage your card online
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 6.45% variable per annum for purchases. Representative 6.4% APR variable. 
Halifax

Flexicard MasterCard
6.4%56 days
  • Instalment plan is available online
  • Rates dependent on credit rating
  • Contactless payments available up to £30
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 6.45% variable per annum for purchases. Representative 6.4% APR variable. 
The Co-operative Bank

3 Year Fixed Rate Visa
6.9%56 days
  • Low fixed rate on purchases and balance transfers for 3 years
  • Can't change payment due date
  • Manage your card online
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 6.9% variable per annum for purchases. Representative 6.9% APR variable. 
TSB

Low rate Advance MasterCard
7.9%0 days
  • 24 hour customer service
  • Interest will be charged from day of transaction
  • Status & Lending criteria, 18+ & UK resident
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 7.94% variable per annum for purchases. Representative 7.9% APR variable. 
MBNA Limited

MBNA 5 Credit Card
8.9%49 days
  • Low APR of 8.9%
  • No balance transfers from MBNA cards
  • Contactless payments up to £30
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 8.9% variable per annum for purchases. Representative 8.9% APR variable. 
NatWest

Clear Rate Platinum Credit Card MasterCard
11.1%56 days
  • Low rate of 11.1% APR
  • No transfers from RBS Group cards
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 6.9% variable per annum for purchases. Fee of £24 per annum applies. Representative 11.1% APR variable. 
Royal Bank of Scotland

Clear Rate Platinum Credit Card MasterCard
11.1%56 days
  • Low rate of 11.1% APR
  • No transfers from RBS Group cards
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 6.9% variable per annum for purchases. Fee of £24 per annum applies. Representative 11.1% APR variable. 
Ulster Bank

Clear Rate MasterCard
11.1%56 days
  • Low APR 11.1%
  • Annual fee £24
  • Manage your card online
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 6.9% variable per annum for purchases. Fee of £24 per annum applies. Representative 11.1% APR variable. 
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Last Updated: Friday 9 December 2016 00:16

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply online today. Products shown with a yellow background are sponsored products.

Disclaimer:
All credit cards are subject to the applicant’s status. The APR quoted is representative of the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you are offered may be higher, or you may not be offered credit. Fees and rates subject to change without notice. Please check all rates and terms before borrowing.

Moneyfacts.co.uk Limited is an independent credit broker not a lender. 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

 

 
 

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