Compare Low Income Credit Cards
Compare the features and fees of the best low income credit cards currently available in the UK at a glance and make an informed choice about which of the low income credit card deals are best suited to your circumstances and your spending. We take the hassle out of finding a credit card that you'll get accepted for even if you are a low earner.
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| Minimum Income | Balance Transfer Intro | Purchase Intro | Representative APR | ||||||||||||||||||||||||||||||||||||||||||||||
| Rate | Duration | Rate | Duration | (Variable) | |||||||||||||||||||||||||||||||||||||||||||||
Barclaycard Platinum With BT (22 Mths) | £0 | 0% | 22 months | 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). £30 fee refund when you transfer a balance of £2,500 or more (terms and conditions apply) | |||||||||||||||||||||||||||||||||||||||||||||||||
Virgin Balance Transfer Credit Card | £0 | 0% | 20 months | 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). | |||||||||||||||||||||||||||||||||||||||||||||||||
Barclaycard Platinum Low BT Fee | £0 | 0% | 17 months | 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). | |||||||||||||||||||||||||||||||||||||||||||||||||
Virgin All Round Credit Card | £0 | 0% | 16 months | 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). | |||||||||||||||||||||||||||||||||||||||||||||||||
MBNA Credit Card | £0 | 0% | 20 months | 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). Contactless Payments: You can now pay quickly and securely for purchases under £15 without entering your PIN. | |||||||||||||||||||||||||||||||||||||||||||||||||
Halifax All in One Card MasterCard | £0 | 0% | 15 months | 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). The APR and length of the promotional offer are dependent on your personal circumstances | |||||||||||||||||||||||||||||||||||||||||||||||||
Sainsbury's Bank Sainsbury's Credit Card (Nectar Card Holders Only) | £0 | 0% | 12 months | 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). You must have a Nectar Card in order to apply for the Credit Card.
Nectar points are NOT earned using this Credit Card | |||||||||||||||||||||||||||||||||||||||||||||||||
Virgin Purchase Credit Card | £0 | 0% | 13 months | 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). | |||||||||||||||||||||||||||||||||||||||||||||||||
Barclaycard Platinum Purchase | £0 | 0% | 15 months | 0% | 15 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 With BT (21 Mths) | £0 | 0% | 21 months | 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). | |||||||||||||||||||||||||||||||||||||||||||||||||
Capital One Classic Visa Card | £0 | n/a | n/a | 34.9% | 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 | |||||||||||||||||||||||||||||||||||||||||||||||||
Vanquis The Visa Card | £4,000 | 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. | |||||||||||||||||||||||||||||||||||||||||||||||||
Play.com Credit Card | £0 | 0% | 6 months | 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. | |||||||||||||||||||||||||||||||||||||||||||||||||
Nationwide Credit Card (Balance Transfer) | £5,000 | 0% | 20 months | 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). | |||||||||||||||||||||||||||||||||||||||||||||||||
Sainsbury's Bank Sainsbury's Low Rate Credit Card | £0 | 6.95% | Unlimited | 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). You must have a Nectar Card in order to apply for the Credit Card.
Nectar points are NOT earned using this Credit Card | |||||||||||||||||||||||||||||||||||||||||||||||||
Sainsbury's Bank Sainsbury's Nectar Credit Card | £0 | 0% | 15 months | 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). You must have a Nectar Card in order to apply for the Credit Card | |||||||||||||||||||||||||||||||||||||||||||||||||
NatWest Platinum Card (Online) | £10,000 | 0% | 22 months | 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). | |||||||||||||||||||||||||||||||||||||||||||||||||
Sainsbury's Bank Sainsbury's Gold Credit Card | £0 | 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 Platinum Simplicity | £0 | 7.9% | Unlimited | 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). | |||||||||||||||||||||||||||||||||||||||||||||||||
Virgin Atlantic White Card Account (Visa) | £0 | 0% | 6 months | 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). You'll earn 1 Flying Club mile for every £1 you spend on the American Express® Credit Card, and 1 Flying Club mile for every £2 you spend on the Visa Credit Card. Plus, you'll also get discounts with Virgin Holidays. | |||||||||||||||||||||||||||||||||||||||||||||||||
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Alternative Credit Cards
You may want to compare the above credit cards with the following.
House of Fraser Recognition MasterCard
- Get minimum balance transfer fee of £5.
- Introductory balance transfer rate of 0%.
- Get a monthly purchase intro rate of 1.524% from the Recognition MasterCard.
- Get 19.9 percent std balance transfer rate from House of Fraser.
- 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).
Ulster Bank Gold MasterCard
- Introductory balance transfer rate of 3.9% is offered with this credit card.
- Customers get 25 percent cash advance rate from the Gold MasterCard.
- Gold MasterCard offers an intro purchase duration of 6 months.
- £3,500 max purchase protection cover.
- 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).
Virgin Atlantic Black Card Account (Visa)
- Maximum lost luggage cover of £1,500 is available to new customers.
- A minimum intro balance transfer fee of £3 is available from Virgin.
- Get a maximum purchase protection cover of £1,000 from the credit card.
- 20.9% cash credit rate is available with Atlantic Black Card Account (Visa).
- Get a std balance transfer rate of 18.9% from the credit card.
- 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
Halifax Student MasterCard
- 17.9% representative APR is available.
- 1.385 percent monthly purchase intro rate is available with the credit card.
- The credit card gives a cash credit rate of 23.9%.
- Customers get £300 cash advance limit from the Student MasterCard.
- New customers benefit from £0 yearly fee.
- Customers get 17.9 percent purchase interest AER from this credit card.
- 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).
The Co-operative Bank Amnesty International Fixed Rate Platinum Visa
- You get monthly balance transfer intro rate of 0.945 percent.
- Maximum purchase protection cover of £3,500 is available.
- This credit card offers a £0 minimum balance transfer fee.
- Get a bal transfer fee of 0%.
- 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).
NatWest Advantage Platinum Card Ex/C
- The credit card gives a cash credit rate of 27.9 percent.
- 0% mthly balance transfer intro rate is offered to new customers.
- 16.9% purchase rate AER.
- You get 3 months intro balance transfer window from Advantage Platinum Card Ex/C.
- Customers get £20,000 max credit limit from Advantage Platinum Card Ex/C.
- You get 6 months intro purchase duration from the credit card.
- 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).
Barclaycard Premier Credit Card
- Take advantage of an initial balance transfer duration of 15 months.
- Customers get 1.094% mthly balance transfer rate from the Premier Credit Card.
- £5,000 balance transfer limit is offered.
- 2.9% balance transfer fee is offered with Premier Credit Card.
- Representative Example: The annual purchase rate is 13.9% p.a.(variable) so if you spend £1,200 your representative APR will be 13.9% (variable).
