Compare Low APR Credit Cards

Low APR credit cards could save you money - compare low interest credit cards and avoid hefty charges. Find out more

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Sort by: Representative APR (variable)  
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Sainsbury's Bank Nectar Low Rate Credit Card

  • Collect 10 Nectar points per £1 on Sainsbury's shopping for the first 3 months.
  • Collect 4 Nectar points per £1 on Sainsbury's shopping after the first 3 months.
  • Low APR of 7.8%.
  • No annual fee.

7.8% APR

Representative example: When you spend £1,200 at a rate of 7.84% (variable) per annum, your Representative APR is 7.8% APR (variable).

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Sainsbury's Bank Cashback Low Rate Credit Card

  • 5% cashback on Sainsbury's shopping for the first 3 months.
  • £5 cashback each month when you spend £250 per month on Sainsbury's shopping and another £250 per month elsewhere.
  • Low APR of 7.8%.
  • No annual fee.

7.8% APR

Representative example: When you spend £1,200 at a rate of 7.84% (variable) per annum, your Representative APR is 7.8% APR (variable).

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RBS Low Rate Credit Card Visa

  • This low APR card offers 0% interest on purchases for 6 months.
  • Balance transfers limited to 95% of the credit limit, so if your card has a limit of £2,000, you could switch up to £1,900.
  • Applicants need to have excellent credit ratings to apply.

9.9% APR

Representative example: When you spend £1,200 at a rate of 9.95% (variable) per annum, your Representative APR is 9.9% APR (variable).

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NatWest Low Rate Credit Card Visa

  • As with the RBS credit card, this card offers 0% interest on purchases for 6 months.
  • Balance transfers limited to 95% of the credit limit - if your card has a limit of £2,000, you could switch up to £1,900.
  • Applicants need to have excellent credit ratings to apply.

9.9% APR

Representative example: When you spend £1,200 at a rate of 9.95% (variable) per annum, your Representative APR is 9.9% APR (variable).

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Lloyds TSB Advance Online MasterCard

  • A low interest Lloyds TSB credit card geared towards shoppers.
  • 0% on purchases for the first 6 months.

11.9% APR

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

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Nationwide Building Society Select Credit Card

  • Low APR of 12.9%.
  • Nationwide credit card perks include commission-free purchases abroad and 0.5% cashback on pound sterling purchases.
  • Only available to Nationwide FlexAccount customers.

12.9% APR

Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).

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MBNA Everyday Credit Card Visa

  • 0% on balance transfers for 18 months from account opening (with a low 1.99% handling fee). Balance needs to be transferred within the first 60 days of account opening.
  • 0% on card purchases for 8 months.

12.9% APR

Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).

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MBNA More Rewards Credit Card Account

  • Two cards and one account - earn rewards points for every purchase you make.
  • 2 points for every pound you spend on the Amex and 1 point for every pound you spend on the Visa card.
  • Double points for the first 90 days.
  • You will be charged the following handling fees on standard rate transactions - Balance transfers: 5%, £5 minimum. Money transfers: 5%, £5 minimum.

12.9% APR

Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).

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Barclaycard Platinum 15 Month Low Rate Visa

  • A low 2.9% interest on balance transfers for 15 months from account opening
  • Limited June offer - No balance transfer fee
  • 0% interest on purchases for 6 months from account opening

18.9% APR

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).

About Low APR 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.

Learn more from our Credit Card Guides

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