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Compare low apr credit cards

Low APR credit cards are designed for everyday use and could save you money. Compare low interest credit cards and avoid hefty charges.

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RBS Clear Rate Platinum Credit Card MasterCard

RBS Clear Rate Platinum Credit Card MasterCard

  • 6.9% interest rate for both balance transfers and purchases
  • No balance transfer fees
  • £24 annual fee
more info
11.1% APR
Representative (variable)
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • have an income of £10,000 or more

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 6.7% (variable) per annum, with a £24 annual fee, your representative APR is 11.1% APR (variable).

Sainsbury's Bank Nectar Low Rate Credit Card

2015 award winner
Reward

Sainsbury's Bank Nectar Low Rate Credit Card

  • 9.9% rate with no monthly or annual fee
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • 1 Nectar point for every £5 spent elsewhere
more info
9.9% APR
Representative (variable)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 9.93% (variable) per annum, your representative APR is 9.9% APR (variable).

TSB Advance MasterCard

TSB Advance MasterCard

  • 12 months 4.9% on balance transfers (3% fee)
  • Six months 0% on purchases
more info
11.9% APR
Representative (variable)
6
months
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 11.95% (variable) per annum, your representative APR is 11.9% APR (variable).

NatWest Clear Rate Platinum Credit Card MasterCard

NatWest Clear Rate Platinum Credit Card MasterCard

  • 6.9% flat rate for balance transfers and purchases
  • No balance transfer fees or 0% introductory periods that end
  • £24 annual fee
more info
11.1% APR
Representative (variable)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £10,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 6.9% (variable) per annum, with a £24 annual fee, your representative APR is 11.1% APR (variable).

Bank of Scotland Online Low Rate Credit Card

Bank of Scotland Online Low Rate Credit Card

  • One rate for both balance transfers and purchases
  • Low representative rate of 6.4% APR (variable)
  • 0% fee on balance transfers within the first 90 days (3% fee applies)
more info
6.4% APR
Representative (variable)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 6.45% (variable) per annum, your representative APR is 6.4% APR (variable).

Platinum Low Rate Credit Card

Platinum Low Rate Credit Card

  • 0% balance transfer fee within the first 90 days of account opening, 3% thereafter
  • Low representative rate of 6.4%
more info
6.4% APR
Representative (variable)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 6.45% (variable) per annum, your representative APR is 6.4% APR (variable).

Barclaycard Low Rate Platinum Credit Card

No Annual Fee

Barclaycard Low Rate Platinum Credit Card

  • Low interest on purchases and balance transfers
  • No annual fee
more info
11.9% APR
Representative (variable)
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have an income of £20,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 11.9% (variable) per annum, your representative APR is 11.9% APR (variable).

Virgin Low Rate Credit Card

Instant Decision No Annual Fee

Virgin Low Rate Credit Card

  • No handling fees for balance and money transfers in first 60 days
  • 7.67% on balance and money transfers made within first 60 days
more info
7.9% APR
Representative (variable)
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 7.9% (variable) per annum, your representative APR is 7.9% APR (variable).

Halifax Low Rate Credit Card

most popular No Annual Fee

Halifax Low Rate Credit Card

  • One simple low rate for both balance transfers and purchases
  • 0% balance transfer fee for first 90 days, 3% fee thereafter
more info
6.4% APR
Representative (variable)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 6.45% (variable) per annum, your representative APR is 6.4% APR (variable).

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Compare low apr credit cards

Frequently asked questions

About low apr credit cards

If you're looking for a long-term low rate deal, a low APR credit card could be right for you. Low APR cards can sometimes represent a better deal than credit cards offering 0% deals on purchases and balance transfers, as the cheap rate is guaranteed until you've repaid the debt in full. The cards below are ordered by interest rate (APR).

Low APR credit cards vs. 0% interest deals

While cards offering long 0% interest deals on balance transfers and purchases can seem attractive at first, they’re not always best for the long-term.

When initial offer periods end, most 0% credit card interest rates switch back to a standard rate of between 15% and 20% APR.

This means you might be better off considering a low APR credit card from day one, especially if you think you won’t be able to pay off your balance within the introductory period.

What are the advantages of a low APR credit card?

One of the biggest advantages of a low APR credit card is that you can stick with the same card for longer and still get a good deal, rather than having to regularly switch to take advantage of new offers.

Sticking with one low APR credit card also means you avoid paying more than one balance transfer fees - the added expense of these fees could cancel out the benefits of switching. Work out if you could save more in the long-term with a low rate APR credit card.

Switching credit card often could also have a negative impact on your credit report, making it harder to get certain cards in the future.

Is a low APR credit card right for me?

Low APR credit cards are useful for people who usually pay off their credit card bill in full each month, but who may carry a balance over occasionally and don't want to pay over the odds in interest if they do.

0% balance transfer credit cards are good for consolidating your debts, or if you have a big balance to pay off. However, when the interest free period is up you’ll start paying the standard rate unless you switch again, meaning you might end up paying another balance transfer fee.

You generally need to have a good credit rating to be eligible for some low APR credit cards - check your credit report before applying.