Compare Low Interest Credit Cards

Compare the best low interest credit cards available in the UK and see which of the low rate credit cards will give you the lowest APR in seconds when you use our low interest credit card comparison tables. We make it easy to find the lowest APR credit card possible so you can cut the cost of your borrowing.
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Search 258 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 Bank
 
Sainsbury's Low Rate Credit Card
6.95%Unlimited0%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
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
One Rate
n/a
n/a
0%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).
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%
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).
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).
MBNA
Credit Card
0%
20
months
2.99%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.
Sainsbury's Bank
 
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).
You must have a Nectar Card in order to apply for the Credit Card. Nectar points are NOT earned using this Credit Card
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.
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 Bank
 
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).
You must have a Nectar Card in order to apply for the Credit Card
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. Good credit customers.
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).
£30 fee refund when you transfer a balance of £2,500 or more (terms and conditions apply)
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).
The APR and length of the promotional offer are dependent on your personal circumstances
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
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).
NatWest
Platinum Card (Online)
0%
22
months
3.2%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).
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).
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.
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).
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.
Capital One
Aspire Elite
n/a
n/a
n/a
17.7%
n/a
17.9%
Representative Example: The annual purchase rate is 17.7% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable)+£120 fee p.a
American Express
 
Platinum Cashback Credit Card
n/a
n/a
n/a
14%
n/a
18.5%
Representative Example: The annual purchase rate is 14% p.a.(variable) so if you spend £1,200 your representative APR will be 18.5% (variable)+£25 fee p.a
Introductory bonus - 5% cashback in your first three months, max £100. £25 annual fee. Additional anniversary cashback each year.
Barclaycard
Platinum Low BT Fee
0%
17
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).
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).
Barclaycard
Platinum Purchase
0%
15
months
2.9%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).
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).
1,000 bonus Avios points when you spend £500 in your first 3 months of Cardmembership.
Capital One
Aspire World
n/a
n/a
n/a
19.94%
n/a
19.9%
Representative Example: The annual purchase rate is 20% p.a.(variable) so if you spend £1,200 your representative APR will be 19.94% (variable).
Earn 5% Cashback on purchases for your first 3 months, max £100. Capital One, Trent House, Station Street, Nottingham, NG2 3HX.
Sainsbury's Bank
 
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%
Barclaycard
Initial Credit Card
n/a
n/a
n/a
0%
3
months
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).
0% for 3 months on purchases! Suitable even if you have missed payments or have had CCJs over 12 months ago.
SAV Credit Ltd
aqua card
n/a
n/a
n/a
32.9%
n/a
32.9%
Representative Example: The annual purchase rate is 32.9% p.a.(variable) so if you spend £1,200 your representative APR will be 32.9% (variable).
Self-employed, have a new address, low or irregular income, CCJs (over 12 months old).
Capital One
Classic Visa Card
n/a
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
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
You'll earn 2 Flying Club miles for every £1 you spend on the American Express® Credit Card, and 1 Flying Club mile for every £1 you spend on the Visa Credit Card. Plus, you'll also get discounts with Virgin Holidays.
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
30,000 bonus Avios points (when you spend £3,000 in your first 3 months of Cardmembership).Collect 1.5 Avios for virtually every £1 you spend and 3 Avios for every £1 you spend on BA flights and holidays.
Full Results
Sainsbury's Bank
 
Sainsbury's Low Rate Credit Card
6.95%Unlimited0%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
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
One Rate
n/a
n/a
0%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).
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%
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).
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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Credit Card Comparison

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Alternative Credit Cards

You may want to compare the above credit cards with the following.

ASDA Reward Credit Card

  • Enjoy £0 minimum initial balance transfer fee from ASDA.
  • Get mthly purchase intro rate of 0 percent.
  • ASDA credit card has a 16.8 percent purchase rate AER.
  • Unlimited maximum balance transfer fee.
  • Introductory purchase rate of 0% is available with the credit card.
  • 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 Flexi-Rate 10% Repay

  • Get representative APR of 9.9%.
  • Benefit from 60 days introductory balance transfer window from Barclaycard.
  • Get a mthly balance transfer intro rate of 0% from this Flexi-Rate 10% Repay.
  • You have the benefit of 9.9% std balance transfer rate from this credit card.
  • Get 9 months introductory balance transfer duration.
  • 60 days introductory balance transfer window is available.
  • 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).

First Direct Gold Visa

  • Initial balance transfer window of 2 months is offered to customers.
  • You get 17% standard balance transfer rate from First Direct.
  • Customers will get limitless maximum intro balance transfer fee.
  • Customers can get 1.315% monthly balance transfer rate.
  • Get an introductory balance transfer fee of 2.9% from the Gold Visa.
  • Get 16.9 percent representative APR.
  • Representative Example: The annual purchase rate is 17% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

Lloyds TSB Student Credit Card

  • New customers get purchase rate AER of 19.9%.
  • Customers get £500 cash credit limit from the credit card.
  • Get 19.9% representative APR from Lloyds TSB.
  • Student Credit Card gives an annual fee of £0.
  • Get 27.9% cash credit rate.
  • 19.9% average balance transfer rate.
  • 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).

Ryanair Ryanair.com MasterCard

  • Ryanair offers initial balance transfer window of 6 weeks.
  • Minimum balance transfer fee of £0 is offered to new customers.
  • Bal transfer limit of £50,000 is available with the credit card.
  • 1.527% monthly purchase intro rate is offered.
  • Introductory balance transfer duration of 12 months is offered to you.
  • Customers get unlimited max intro balance transfer fee from Ryanair.
  • 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).

Virgin Atlantic White Card Account (Visa)

  • Get free statement copies with this Virgin Atlantic White Card Account (Visa) credit card.
  • Intro balance transfer window of 90 days.
  • Customers get 20.9% cash loan rate from the credit card.
  • Limitless maximum intro balance transfer fee is offered to new customers.
  • Unlimited cash loan limit is offered with the credit card.
  • This credit card offers a maximum lost luggage cover of £1,500.
  • 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 Charity Credit Card

  • Get a std balance transfer rate of 18.6% from the Charity Credit Card.
  • 12.9 percent introductory purchase rate is offered with Charity Credit Card.
  • Get monthly balance transfer rate of 1.4352 percent.
  • The credit card has a 2% initial balance transfer fee.
  • 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).

West Bromwich Albion Albion MasterCard

  • Albion MasterCard gives a monthly purchase intro rate of 1.46%.
  • Albion MasterCard gives a bal transfer fee of 3 percent.
  • Mthly balance transfer intro rate of 0% is offered to customers.
  • 90 days introductory balance transfer window is offered.
  • 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).
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