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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Balance Transfer IntroPurchase IntroRepresentative APR  
RateDurationFeeRateDuration(Variable) 
Promoted Results
Sainsbury's Bank
 
Sainsbury's Nectar Low Rate Credit Card
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7.8%
Representative Example: The annual purchase rate is 7.8% p.a.(variable) so if you spend £1,200 your representative APR will be 7.8% (variable).
Collect 10 Nectar points per £1 on Sainsbury's shopping for the first 3 months from account opening (capped at £1,000 spend per month). After the first 3 months collect 4 points per £1 on Sainsbury's shopping.
Barclaycard
Platinum Simplicity
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---
---
---
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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).
NatWest
Visa Low Rate Credit Card
2.9%
12
months
0%0%
6
months
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).
RBS
Visa Low Rate Credit Card
2.9%
12
months
0%0%
6
months
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 11.95% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
Lloyds TSB, 25 Gresham Street, London, EC2V 7HN.
MBNA
Everyday Credit Card
0%
18
months
1.99%0%
8
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).
MBNA
More Rewards Credit Card
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---
---
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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).
Double points for the first 90 days from account opening. 2 points for every pound you spend thereafter on the American Express card; 1 point for every pound you spend thereafter on the Visa card.
Nationwide
Credit Card (Balance Transfer - Online)
0%
20
months
3.1%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).
British Airways
BA American Express Credit Card
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---
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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).
3,000 bonus Avios when £500 is spent in the first 3 months
Tesco Bank
Clubcard Credit Card for Balance Transfers
0%
25
months
2.9%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).
Tesco Bank
Clubcard Credit Card for Purchases
0%
9
months
2.9%0%
16
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).
M&S Bank
M&S Credit Card
0%
12
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).
NatWest
YourPoints World MasterCard
0%
15
months
2.9%0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (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, and every year thereafter.
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.
RBS
YourPoints World MasterCard
0%
15
months
2.9%0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (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, and every year thereafter.
MBNA
Rate for Life
5.9%Unlimited1.5%
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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).
Post Office
Credit 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 made overseas.
Virgin
Balance Transfer Credit Card
0%
26
months
2.99%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)
Santander
Credit Card
0%
17
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).
Manage your accounts online anytime of day. Manage your card on the go with the mobile app for the iPhone or iPad.
Sainsbury's Bank
 
Sainsbury's Nectar Credit Card
0%
15
months
3%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).
Halifax
All in One Card MasterCard
0%
15
months
1%0%
15
months
17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
The APR and length of the promotional offer are dependent on your personal circumstances.
Halifax, The Mound, Edinburgh, EH1 1YZ.
AA
Balance Transfer Credit Card
0%
16
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).
Long 0% period on balance transfers with competitive 2.9% fee, plus earn while you spend with a generous rewards scheme. Good credit customers.
Virgin
Atlantic White Card Account
0%
6
months
2%
---
---
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).
3000 bonus Flying Club miles on first spend, plus 1 mile for every £1 spent.
Lloyds TSB
Duo Avios Credit Cards
0%
6
months
3%
---
---
17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
You could get 15,000 Avios - enough for a return flight, when you successfully apply for the Duo Avios and spend £500 a month for the first three months. T&C's apply.
Lloyds TSB
Platinum Purchase 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).
Bank of Scotland
 
Platinum Card (Online)
0%
18
months
3%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Sainsbury's Bank
 
Sainsbury's Cashback Credit Card
0%
15
months
3%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).
5% cashback on Sainsbury's shopping for the first 3 months from account opening (capped at £50 per month). £5 cashback each month when you spend at least £250 per month on Sainsbury's shopping and at least £250 per month elsewhere.
American Express
 
Platinum Cashback Credit Card
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14%
0
months
18.7%
Representative Example: The annual purchase rate is 14% p.a.(variable) so if you spend £1,200 your representative APR will be 18.7% (variable)+£25 fee p.a
5% cashback for first 3 months, then 1.5% thereafter.
Barclaycard
Platinum With BT (25 Mths)
0%
25
months
2.4%0%
6
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).
Refund offer on the balance transfer fee, was 3.5% now 2.4% (terms and conditions apply)
Barclaycard
Platinum With BT (27 Mths)
0%
27
months
3.5%0%
6
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).
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).
NatWest
Platinum Card (Online)
0%
26
months
2.65%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Barclaycard
Platinum Low BT Fee
0%
16
months
1.5%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).
NatWest
Platinum Low Fee BT
0%
13
months
1%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
RBS
Platinum Low Fee BT
0%
13
months
1%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
RBS
Platinum Card
0%
26
months
2.65%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Barclaycard
Freedom Rewards
0%
9
months
2.9%
---
---
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).
10,500 Freedom bonus points worth £30 when you spend £500 or more in the first three months of account opening (terms and conditions apply)
Barclaycard
Business Balance Transfer Card
0%
22
months
2.5%0%
3
months
18.9%
Representative Example: If you spend £1,500 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
0% interest on balance transfers for 22 months (from account opening). Only 2.5% balance transfer handling fee.
Barclaycard
Gold Credit Card
0%
12
months
2.5%
---
---
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).
Do you have an average credit history, not excellent?
Full Results
Sainsbury's Bank
 
Sainsbury's Nectar Low Rate Credit Card
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7.8%
Representative Example: The annual purchase rate is 7.8% p.a.(variable) so if you spend £1,200 your representative APR will be 7.8% (variable).
Collect 10 Nectar points per £1 on Sainsbury's shopping for the first 3 months from account opening (capped at £1,000 spend per month). After the first 3 months collect 4 points per £1 on Sainsbury's shopping.
Sainsbury's Bank
 
Sainsbury's Cashback Low Rate Credit Card
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7.8%
Representative Example: The annual purchase rate is 7.8% p.a.(variable) so if you spend £1,200 your representative APR will be 7.8% (variable).
5% cashback on Sainsbury's shopping for the first 3 months from account opening (capped at £50 per month)
Sainsbury's Bank
 
Sainsbury's Nectar Low Rate Credit Card Ex/C
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---
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7.8%
Representative Example: The annual purchase rate is 7.8% p.a.(variable) so if you spend £1,200 your representative APR will be 7.8% (variable).
Barclaycard
Platinum Simplicity
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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).
NatWest
Visa Low Rate Credit Card
2.9%
12
months
0%0%
6
months
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).
RBS
Visa Low Rate Credit Card
2.9%
12
months
0%0%
6
months
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 11.95% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
Lloyds TSB, 25 Gresham Street, London, EC2V 7HN.
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
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---
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
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---
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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).
MBNA
Everyday Credit Card
0%
18
months
1.99%0%
8
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).
MBNA
More Rewards Credit Card
---
---
---
---
---
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).
Double points for the first 90 days from account opening. 2 points for every pound you spend thereafter on the American Express card; 1 point for every pound you spend thereafter on the Visa card.
Nationwide
Select Credit Card (Online)
0%
20
months
3.1%0%
12
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).
actionaid
Flat Rate Visa Credit Card
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---
---
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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).
Amnesty International
 
Fixed Rate Platinum Visa
---
---
---
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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).
Christian Aid
Fixed Rate Platinum Visa
---
---
---
---
---
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).
First Trust
Student MasterCard
---
---
---
---
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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).
Friends of the Earth
 
Flat Rate Visa
---
---
---
---
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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).
Greenpeace
Fixed Rate Platinum Visa
---
---
---
---
---
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).
Halifax
Rewards Clarity Credit Card
---
---
---
---
---
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).
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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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