Compare Low APR Credit Cards

Compare the best low APR credit cards at a glance & find the the cheapest standard interest rate by searching all the low rate credit card deals currently available in our UK comparison table. We make it easy to compare the best low interest credit card deals so you save money & know where you stand. Apply online today.
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Search 242 credit cards.
All Credit Cards0% Balance Transfers
0% PurchasesCashback & Rewards
Low Standard APR
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Balance Transfer IntroPurchase IntroRepresentative APR  
RateDurationFeeRateDuration(Variable) 
Promoted Results
Sainsbury's Finance
 
Sainsbury's Low Rate Credit Card
n/a
n/a
0%6.95%
n/a
6.9%
Representative Example: The annual purchase rate is 6.9% p.a.(variable) so if you spend £1,200 your representative APR will be 6.9% (variable).
Rate only available to Sainsbury's shoppers with a Nectar Card
Barclaycard
Platinum Simplicity
7.9%Unlimited0%7.9%
n/a
7.9%
Representative Example: The annual purchase rate is 7.9% p.a.(variable) so if you spend £1,200 your representative APR will be 7.9% (variable).
Lloyds TSB
Advance MasterCard
4.9%
12
months
3%0%
6
months
11.9%
Representative Example: The annual purchase rate is 11.9% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
Saga
Platinum
0%
9
months
3%0%
9
months
11.9%
Representative Example: The annual purchase rate is 11.3% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
0% foreign exchange fees on transactions worldwide.
Nationwide
Select Credit Card
0%
17
months
2.95%0%
18
months
12.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
To be eligible you have to hold a FlexAccount with a Visa debit card (not cash card+) and pay in £750 or more each month (excluding internal... more
Virgin
All Round Credit Card
0%
16
months
1.99%0%
6
months
15.8%
Representative Example: The annual purchase rate is 15.8% p.a.(variable) so if you spend £1,200 your representative APR will be 15.8% (variable).
Nationwide
Credit Card (Balance Transfer)
0%
17
months
2.95%0%
3
months
15.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Lloyds TSB
Duo Avios Credit Card
0%
6
months
3%15.9%
n/a
15.9%
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Apply before 1 March 2012, get an exclusive online bonus of 2,000 Avios if you spend at least £500 each month for the first 3 months.
Virgin
Balance Transfer Credit Card
0%
20
months
2.99%0%
3
months
16.8%
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 16.8% (variable).
Sainsbury's Finance
 
Sainsbury's Credit Card (Nectar Card Holders Only)
0%
12
months
3%0%
12
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Must have swiped your Nectar card in store in the last 6 months.
Double Nectar points for every £1 you spend on your card in Sainsbury's for the first 2 years. One Nectar point for every £5 spent on your card elsewhere.
Halifax
Balance Transfer Card 17/3
0%
17
months
3%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Halifax
Balance Transfer Card 20/3
0%
20
months
3%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
You must have an annual income of £20,000 or more to apply.
AA
Rewards Credit Card
0%
12
months
3%0%
10
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Earn Reward Points every time you spend, earn double on fuel. Redeem on a range of products including shopping vouchers and cash back.
Tesco Bank
Tesco Clubcard Credit Card
0%
9
months
2.9%0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Tesco Bank, PO Box 5747, Southend on Sea, SS1 9AJ.
Play.com
Credit Card
0%
6
months
1.5%0%
9
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1500 bonus PlayPoints awarded when you spend £150 on card purchases within 90 days of account opening.
Sainsbury's Finance
 
Sainsbury's Nectar Credit Card
0%
15
months
3%0%
6
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Bank of Scotland
 
Plus Credit Card
0%
18
months
3%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Capital One
Business Card
n/a
n/a
n/a
16.9%
n/a
16.9%
5% cashback - great rewards for small business
Post Office
Platinum Card
0%
14
months
2.98%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
0% commission on purchases overseas
Barclaycard
Platinum With BT (22 Mths)
0%
22
months
2.9%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
NatWest
Platinum Card (Online)
0%
20
months
2.9%0%
6
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
RBS
Platinum Card
0%
20
months
2.9%0%
6
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Barclaycard
Platinum With BT (21 Mths)
0%
21
months
2.6%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
3.2% Balance Transfer fee, 0.6% refund reduces this to equivalent of 2.6% (terms & conditions apply).
HSBC
Credit Card
0%
23
months
3.3%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Only available to existing HSBC current account customers, paying in at least £500 a month.
Halifax
Balance Transfer Card
0%
22
months
3.5%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
You must have an annual income of £20,000 or more to apply
NatWest
YourPoints World MasterCard
0%
13
months
2.9%0%
13
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
1 point for every £1 spent Use towards flights, holidays and brands like M&S, Boots and Amazon. 2500 bonus points when you join.
Halifax
All in One Card MasterCard
0%
15
months
3%0%
15
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Virgin
Atlantic White Card Account (Visa)
0%
6
months
2%17.9%
n/a
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Two cards on one account means more opportunities to earn Flying Club miles, wherever you are. Enjoy 10% discount on Virgin Holidays bookings.
Bank of Scotland
 
All in One Card
0%
12
months
3%0%
12
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Creation
Purchase Card
0%
9
months
2.9%0%
13
months
17.9%
Representative Example: The annual purchase rate is 18% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Lloyds TSB
Platinum MasterCard
0%
15
months
3%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Bank of Scotland
 
All in One Advantage Card
0%
13
months
3%0%
13
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
AA
Balance Transfer Credit Card
0%
16
months
3%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Long 0% period on balance transfers with competitive 2.9% fee, plus earn while you spend with a generous rewards scheme. Good credit customers.
Barclaycard
Platinum Low BT Fee
0%
16
months
1.6%0%
3
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
2.1% Balance Transfer fee with a 0.5% refund, reduces this to equivalent of 1.6% for everyone (terms & conditions apply).
Barclaycard
Platinum Purchase
0%
14
months
2.9%0%
14
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Virgin
Purchase Credit Card
0%
13
months
2.89%0%
13
months
18.9%
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Creation
Cashback Card
0%
6
months
3%19%
n/a
18.9%
Representative Example: The annual purchase rate is 19% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
British Airways
BA American Express Credit Card
n/a
n/a
n/a
19.9%
n/a
19.9%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
9,000 bonus Avios points when you spend £1000 in your first 3 months of Cardmembership.
Capital One
World MasterCard
n/a
n/a
0%19.94%
n/a
19.9%
Representative Example: The annual purchase rate is 19.94% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
Earn 5% Cashback on purchases for your first 3 months, max £100. Capital One, Trent House, Station Street, Nottingham, NG2 3HX
Sainsbury's Finance
 
Sainsbury's Gold Credit Card
n/a
n/a
n/a
9.9%
n/a
20.1%
Representative Example: The annual purchase rate is 9.9% p.a.(variable) so if you spend £1,200 your representative APR will be 20.1% (variable)+£60 fee p.a
Barclaycard
Business Credit Card
n/a
n/a
n/a
0%
3
months
21.7%
Aquis
Visa Card
n/a
n/a
n/a
29.8%
n/a
29.8%
Representative Example: The annual purchase rate is 29.8% p.a.(variable) so if you spend £1,000 your representative APR will be 29.8% (variable).
Barclaycard
Initial Credit Card
n/a
n/a
n/a
29.9%
n/a
29.9%
Representative Example: The annual purchase rate is 29.9% p.a.(variable) so if you spend £1,200 your representative APR will be 29.9% (variable).
Best suited to those looking for their first credit card. Not recommended if you have missed multiple payments or if you have defaulted or have CCJS in the past.
Capital One
Classic Visa Card
n/a
n/a
n/a
34.94%
n/a
34.9%
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.
Capital One, Trent House, Station Street, Nottingham, NG2 3HX
SAV Credit Ltd
aqua card
n/a
n/a
n/a
35.9%
n/a
35.9%
Representative Example: The annual purchase rate is 35.9% p.a.(variable) so if you spend £1,200 your representative APR will be 35.9% (variable).
Self-employed, have a new address, low or irregular income, CCJs (over 12 months old).
Vanquis
The Visa Card
n/a
n/a
n/a
39.9%
n/a
39.9%
Representative Example: Representative 39.9% APR variable. Based on £1,000 credit limit & annual purchase rate 39.94% p.a. variable.
Suitable if you are new to credit, have had CCJs or have bad credit history. Can apply for up to £2,000 credit.
Virgin
Atlantic Black Card Account (Visa)
0%
6
months
2%18.9%
n/a
47.2%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 47.2% (variable)+£140 fee p.a
Two cards, one account. An American Express® Credit Card and a Visa Credit Card means more opportunities to earn Flying Club miles.
British Airways
BA American Express Premium Plus Credit Card
n/a
n/a
n/a
19.9%
n/a
50.1%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 50.1% (variable)+£150 fee p.a
18,000 bonus Avios Points, when you spend £3,000 in your first 3 months of Cardmembership.
Full Results
Sainsbury's Finance
 
Sainsbury's Low Rate Credit Card
n/a
n/a
0%6.95%
n/a
6.9%
Representative Example: The annual purchase rate is 6.9% p.a.(variable) so if you spend £1,200 your representative APR will be 6.9% (variable).
Rate only available to Sainsbury's shoppers with a Nectar Card
Barclaycard
Platinum Simplicity
7.9%Unlimited0%7.9%
n/a
7.9%
Representative Example: The annual purchase rate is 7.9% p.a.(variable) so if you spend £1,200 your representative APR will be 7.9% (variable).
Capital One
Click Card
n/a
n/a
0%9.94%
n/a
9.9%
Representative Example: The annual purchase rate is 9.94% p.a.(variable) so if you spend £1,200 your representative APR will be 9.9% (variable).
Designed for people who want more rewards and enhanced security while doing what they love most - shopping online!
Barclaycard
Flexi-Rate 10% Repay
0%
9
months
3%9.9%
n/a
9.9%
Representative Example: The annual purchase rate is 9.9% p.a.(variable) so if you spend £1,200 your representative APR will be 9.9% (variable).
Lloyds TSB
Advance MasterCard
4.9%
12
months
3%0%
6
months
11.9%
Representative Example: The annual purchase rate is 11.9% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
Saga
Platinum
0%
9
months
3%0%
9
months
11.9%
Representative Example: The annual purchase rate is 11.3% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
0% foreign exchange fees on transactions worldwide.
HSBC
Premier Credit Card
n/a
n/a
n/a
0%
9
months
11.9%
Representative Example: The annual purchase rate is 11.9% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
HSBC
Premier High Net Worth Credit Card
n/a
n/a
n/a
0%
9
months
11.9%
Representative Example: The annual purchase rate is 11.9% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
Nationwide
Select Credit Card
0%
17
months
2.95%0%
18
months
12.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
To be eligible you have to hold a FlexAccount with a Visa debit card (not cash card+) and pay in £750 or more each month (excluding internal... more
Barclaycard
Flexi-Rate 5% Repay
0%
9
months
3%12.9%
n/a
12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
The Co-operative Bank
 
ActionAid Flat Rate Visa Credit Card
n/a
n/a
n/a
12.9%
n/a
12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
The Co-operative Bank
 
Clear Visa Card
n/a
n/a
n/a
12.9%
n/a
12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
The Co-operative Bank
 
Platinum Fixed Rate Credit Card
n/a
n/a
n/a
9.9%
n/a
12.9%
Representative Example: The annual purchase rate is 9.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
The Co-operative Bank
 
Think Credit Card
3.9%
6
months
n/a
0%
3
months
12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
Smile
Gold Visa (Current Account holders)
n/a
n/a
n/a
12.9%
n/a
12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
The Co-operative Bank
 
Shelter Flat Rate Visa Credit Card
n/a
n/a
n/a
12.9%
n/a
12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
The Co-operative Bank
 
Amnesty International Fixed Rate Platinum Visa
n/a
n/a
n/a
11.9%
n/a
12.9%
Representative Example: The annual purchase rate is 11.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
The Co-operative Bank
 
Christian Aid Fixed Rate Platinum Visa
n/a
n/a
n/a
11.9%
n/a
12.9%
Representative Example: The annual purchase rate is 11.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
The Co-operative Bank
 
Friends of the Earth Flat Rate Visa
n/a
n/a
n/a
12.9%
n/a
12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
The Co-operative Bank
 
Greenpeace Fixed Rate Platinum Visa
n/a
n/a
n/a
11.9%
n/a
12.9%
Representative Example: The annual purchase rate is 11.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
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money.co.uk, Dot Zinc Limited, Fleet House, 8-12 New Bridge Street, London. EC4V 6AL. We are a Credit Intermediary for all consumer credit products listed on money.co.uk, with the exception of products from the following providers: Tesco Bank, Royal Bank of Scotland Group and Nationwide Building Society.
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How to Compare Low Interest Credit Cards

If you’re looking for a credit card to keep for emergencies and want to keep your costs down, opting for credit cards with low interest rates is likely to be a good choice. Here’s how to compare the best low APR credit cards and get the best deal possible

Low rate credit card deals can be a cheap and flexible alternative to a personal loan, especially if you want to avoid the hassle of switching credit cards on a regular basis.

Essentially low rate credit card deals offer a significantly lower standard interest rate when compared to other types of credit card. This rate will often apply for as long as you hold the card, and often to both new purchases and balance transfers.

Consequently if you're looking for a card to use in an emergency they can be a good option to using existing credit cards that charge a high interest rate, just in case you don't manage to clear the balance before your statement date.

The standard interest rates charged by low interest credit cards do vary substantially so you need to take the time to look for the best low APR cards on offer as if you do need to carry a balance over and end up paying interest, even a small variation in the APR can make a big difference to the total cost.

When looking for the best low interest rate credit cards your main concern should be finding those that apply the lowest available standard interest rate and it's generally a case of 'the lower, the better'.

You will also need to check whether this interest rate is applied to both purchases and balance transfers, and whether it applies for the duration you have the low APR credit cards or only for a certain number of months.

If you plan on moving a balance from an existing card then you will also need to factor in cost of any balance transfer fee into your decision; while some of the best low APR credit cards will allow transfers without a fee these are becoming less readily available. Of course, you will also need to check whether getting a 0% balance transfer credit card would be a better option. 

Similarly, if you plan on using the card to spread the cost of purchases over a number of months then a 0% purchase credit card may be a more suitable alternative.

If you simply plan to use the card for day to day spending and clear the balance when you get your statement, you may find that a cashback credit card or rewards credit card is a better option as you'll be getting something back as you spend.

You can compare the best credit card rates using our low cost credit cards comparison table that gives you all the information you need to find the most suitable credit card for your circumstances.

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