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Compare Standard Purchase Rates

Last Updated 4 Jul 2008
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Find the best low APR credit cards with cheap standard interest rates. We help you to compare the best low interest credit card deals so that you save money on your interest payments and know where you stand. Complete an application and apply online today. (UK only)
CompareBalance Transfers Intro Purchases Typical APR (variable)Re-Order by Typical APR (variable) Instant Decision 
RateRe-Order by Rate DurationRe-Order by Duration FeeRe-Order by Fee RateRe-Order by Rate DurationRe-Order by Duration  
Displaying 1-20 of 273 credit cards that meet your search criteria.
Most Popular
Capital One Low Rate Card - NO balance transfer fee, 8.5% variable for life of balance.
Capital OneDetails8.5%no intro-8.5%no intro8.5%-Apply
Barclaycard Flexi-Rate 10% Repay - Lower your purchase rate to 9.9% APR if you make a minimum payment of 10% each month. 14.9% APR Typical.
BarclaycardDetails0%14 months2.5%0%3 months9.9%-Apply
The Co-operative Bank Fixed Rate Platinum Visa - Rate remains fixed for 5 years. Minimum £5k credit limit. Platinum privileges.
The Co-operative BankDetails9.9%no intro-9.9%no intro9.9%-Apply
Capital One Platinum Card - Register Online for Free Identity Alerts powered by Equifax.
Capital OneDetails0%Oct 20093%0%Oct 200912.9%NoApply
Barclaycard Platinum With Balance Transfer - Exclusive online Gadget & Personal Possessions Cover FREE for the first 6 months
BarclaycardDetails0%14 months2.9%0%3 months14.9%YesApply
Barclaycard OnePulse Credit Card with Purchase - In-built Oyster card for the cheapest way to travel in London. Make Cashless payments too.
BarclaycardDetails14.9%no intro-0%6 months14.9%YesApply
Barclaycard OnePulse Credit Card with BT - In-built Oyster card for the cheapest way to travel in London.
BarclaycardDetails0%14 months2.9%0%3 months14.9%YesApply
MBNA Platinum Card - 0% p.a. on transferring cash into your current account until 01/08/2009. Apply for an Instant Decision!
MBNADetails0%Aug 20092.9%0%Oct 200815.9%YesApply
Virgin Credit Card - Can't wait to get a credit card? They could give you a decision online right now.
VirginDetails0%15 months2.98%0%3 months15.9%YesApply
Lloyds TSB Platinum MasterCard - Minimum spend of £100 in the first 3 months applies.
Lloyds TSBDetails0%14 months3%0%3 months15.9%NoApply
Capital One Balance Transfer and Purchase Credit Card - Free Identity Theft Service.
Capital OneDetails0%Nov 20093%0%Nov 200815.9%-Apply
NatWest Classic Card - Take advantage of their Travel Club and Wine Club. Apply now for an instant decision.
NatWestDetails0%13 months2.9%0%6 months15.9%YesApply
Halifax All in One Card MasterCard
HalifaxDetails0%10 months3%0%10 months15.9%-Apply
bmi Amex Credit Card - 20,000 free destinations miles with your first card purchase (enough for a return flight to Spain or Italy!)
bmiDetails0%12 months3%0%3 months15.9%-Apply
Barclaycard Platinum With Purchase & Long Term BT - Exclusive online Gadget & Personal Possessions Cover FREE for the first 6 months
BarclaycardDetails6.5%bal clear0%0%10 months15.9%-Apply
MBNA SonyCard - Receive 3000 FREE Sony Card Pulsebeats, plus extra evry time you spend.
MBNADetails0%12 months3%0%3 months15.9%-Apply
MBNA Platinum Rewards Card - Earn 1 Reward point for every £1 you spend & redeem them on flights, shopping vouchers & more
MBNADetails0%Aug 20092.9%0%Oct 200815.9%YesApply
MBNA American Express Rewards Credit Card - Earn 1 Reward point for every £1 you spend, then redeem them on travel, wine & more.
MBNADetails0%12 months3%0%3 months15.9%YesApply
Post Office Two In One Platinum Credit Card
Post OfficeDetails0%10 months2.75%0%3 months15.9%-Apply
Alliance and Leicester Credit Card (Internet only) - 0% on balance transfers in the first 12 months from the date your account is opened. No annual fee.
Alliance and LeicesterDetails0%12 months3%0%3 months15.9%NoApply
ArrowCompareCompare details 'side by side' of up to 3 credit cards at a time.
Displaying 1-20 of 273 credit cards that meet your search criteria.
Products listed under 'Most Popular' are the most popular products that can be applied for via money.co.uk.

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Credit Card Interest Rates Explained

By Michael Saunders
Published on 12 Aug 2007
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We explain why choosing a credit card with a low standard interest rate is so important

Standard interest rates relate to the typical APR a card provider charges on both balances and purchases. It is important to check the standard interest rate of a card before you sign up, especially for those that offer an introductory period of interest free credit as it is at this rate that you will be paying interest after the initial deal expires.

By choosing a card that offers a low standard APR on both balances and new purchases you can reduce the amount of interest you pay and help to manage and pay off the amount you owe. Credit cards with flexible standard interest rates are becoming more popular as they reward you for making more than just the minimum payment each month by lowering the standard interest rate the more you pay off.

[Back to top of article]

If you pay the balance on your credit card off in full each month, the standard interest rate is not that important as you avoid paying interest at all. Instead you should choose a card that offers benefits such as air miles and cashback or gives donations to charity each time you use your card.

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Saturday, 5th July 2008
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