If you have to pay interest on your credit card, a lower rate (APR) will mean you pay less.

Low APR cards can be useful if you do not want to use a balance transfer but want to keep your costs down when you pay the card off.

What are low APR cards?

The comparison table above shows details of the credit cards with the lowest interest rates. It includes every card that has a representative APR of 12.9% or under.

The representative APR is the standard rate that the card may offer, so it will often apply for as long as you keep the card rather than just for an introductory period.

Find the best credit card in the table above, which includes the representative APR on each card plus details of any balance transfer deals and interest free periods.

What is APR?

The Annual Percentage Rate (APR) is the interest rate charged on a credit card when you use it to borrow money.

You have to pay interest if you do not pay off the full amount you spend on your card each month. Here is how interest and other credit card charges work.

The lower the APR, the less interest you will have to pay to your credit card company.

What interest rate will you get?

Each credit card shows a representative APR. This is just an example interest rate that must be offered to at least 51% of people who apply for it.

This means that you could be offered a higher interest rate than the APR advertised. Your APR will be decided after you have applied and the credit card company have run a credit check.

Can you get 0% interest?

You can get cards that charge 0% interest for more than two years. This lets you spread the cost of any new purchases you make.

You can also get 0% deals on balance transfers and money transfers.

However, these cards will start to charge interest at a higher APR once their interest free periods end.

Low APR credit card FAQs

Q

What other charges come with my credit card?

A

Credit cards come with interest and a range of other charges, but you can usually avoid them if you understand how they work.

Q

What are interest free credit cards?

A

Some cards come with an interest free period of several months, so you can spread the cost of a purchase without paying interest.

Q

What is a good APR on a credit card?

A

Most cards charge around 17.9% or more, so an APR of less than 12.9% could be considered a lower APR.

Q

Does my credit record matter?

A

Yes, looking at it helps lenders decide whether to accept you as well as what APR and credit limit they offer you.

Q

How do I repay my credit card?

A

Paying the full amount by direct debit means you never miss a payment or pay interest. Here are all the ways to repay.

Q

How do I make a balance transfer?

A

You can transfer what you owe on a credit card to a new deal with a better interest rate for up to a few years interest free - here is how

About our credit cards comparison

Q

Who do we include in this comparison?

A

We include all of the personal credit cards you can get in the UK, apart from those offered exclusively through other companies. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.