Credit Cards

Low interest rate credit cards

Fed up of high interest rates? Credit cards offering 0% deals on purchases and balance transfers are great until the introductory period runs out. This is where a low interest rate card can help. Cards with a representative APR of under 15% are generally considered low rate, but some can be as low as 6.4% APR variable for the life of the card (remember credit card rates are often variable so this rate can change).


A low rate card can be a great long-term choice, as you not only enjoy the benefit of a low interest rate for as long as you keep the card but you can also avoid having to pay over the odds if you can’t always pay your balance in full.

Sorted by lowest Representative APR

Purchases intro period & rate
Representative APR
Likelihood of acceptance
Actions

Sorted by lowest Representative APR

Low APR

Tesco Bank Credit Card with Low APR

placeholder card image

1 months 0% interest on purchases

5.9% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 5.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 5.94% (variable) annual. Postal address: PO Box 27028, Glasgow, G2 9FT

Halifax Low Rate Credit Card

placeholder card image

No 0% intro

6.4% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative example: Representative 6.4% APR variable. Based on assumed borrowing of £1,200. Rate of interest 6.45% (variable) annual.
Benefit from a low rate of interest on balance transfers & purchases, plus 0% balance transfer fee

Barclaycard's Low Rate Platinum Card

placeholder card image

No 0% intro

6.9% APR

Can I get this card?

Check now
Sorry, this card is not available through Confused.com. Why?
Representative example: Representative 6.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 6.9% (variable) annual.
One low rate of interest on balance transfers & purchases, plus access to a range of entertainment benefits from Barclaycard.

Ulster Bank Clear Rate Card

placeholder card image

No 0% intro

11.1% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 11.1% APR variable. Based on £24 annual fee, assumed borrowing of £1200. Rate of interest 6.9% (variable) annual. Postal address: 11/16 Donegall Square East, Belfast, BT1 5HD

Amnesty International Fixed Rate Platinum

placeholder card image

60 months 0.945% interest on purchases

12.9% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.9% (variable) annual. Postal address: Delt House, Southway, Skelmersdale, Lancs, WN8 6NY

Creation Everyday Credit Card

placeholder card image

No 0% intro

12.9% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.9% (variable) annual. Postal address: Chadwick House, Blenheim Court, Solihull, B91 2AA

Metro Bank Personal Credit Card

placeholder card image

No 0% intro

13.0% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative example: Representative 13% APR variable. Based on assumed borrowing of £1,200. Rate of interest 13% (variable) annual.

Inspop.com Limited, trading as Confused.com, is a credit broker for the consumer credit products listed on our credit card pages. Confused.com provides an independent comparison service free of charge; however, we may receive a commission from some of the companies we refer you to.

We aim to show as many cards as possible, although there may be some we're unable to display.

 

Your guide to credit cards

  • What are the advantages of using low-rate credit cards?
  • Who offers low APR cards?
  • Things to consider

Credit cards terms

  • Purchase introductory rate
  • Minimum payment
  • Representative APR