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 all242 Credit Cards
 
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...
Go to Site
 
  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

Low Rate Credit Card MasterCard
6.4%56 days
  • One of the lowest standard purchase rates available
  • Rates dependent on credit rating
  • You may be offered alternative terms
Details... 
  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...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 6.45% variable per annum for purchases. Representative 6.4% APR variable. 
MBNA Limited

MBNA Low Rate Credit Card MasterCard
6.6%50 days
  • Low APR of 6.6%
  • No balance transfers from MBNA cards
  • Contactless payments up to £20
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 6.5% variable per annum for purchases. Representative 6.6% 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. 
Tesco Bank

Clubcard Credit Card with Low APR MasterCard
7.8%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 7.84% variable per annum for purchases. Representative 7.8% APR variable. 
Virgin Money

Virgin Low Rate Credit Card MasterCard
7.9%50 days
  • Low standard purchase rate 7.9%pa
  • High rate for cash withdrawals
  • Contactless payments up to £20
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 7.9% variable per annum for purchases. Representative 7.9% APR variable. 
Sainsbury's Bank

Nectar Low Rate Credit Card MasterCard
9.9%56 days
  • One of the lowest standard interest rates on the market
  • Rates dependent on credit rating
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 9.93% variable per annum for purchases. Representative 9.9% 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. Annual fee of £24 applies. Representative 11.1% 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...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 11.9% variable per annum for purchases. Representative 11.9% APR variable. 
Barclaycard

Low Rate Platinum Visa
11.9%56 days
  • Low rate 11.9% APR
  • Can't change payment due date
  • Contactless payments up to £20
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 11.9% variable per annum for purchases. Representative 11.9% APR variable. 
TSB

Advance MasterCard
11.9%0 days
  • 24 hour customer service
  • Rates dependent on credit rating
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 11.95% variable per annum for purchases. Representative 11.9% APR variable. 
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Last Updated: Tuesday 1 September 2015 17:49

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:
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

 

 
 
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