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
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Sorted by lowest Representative APR

Low APR

Tesco Bank Credit Card with Low APR

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1 months 0% interest on purchases

5.9% APR

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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

AA Low Rate Credit Card

AA Low Rate Credit Card Image

No 0% intro

6.4% APR

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Representative example: Representative 6.4% APR variable. Based on assumed borrowing of £1,200. Rate of interest 6.4% (variable) annual.
One low rate of interest for balance transfers and purchases, plus 0% handling fees on balance transfers.

Lloyds Bank Platinum Low Rate

Lloyds Bank Lloyds Bank Platinum Low Rate Image

No 0% intro

6.4% APR

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Representative example: Representative 6.4% APR variable. Based on assumed borrowing of £1,200. Rate of interest 6.45% (variable) annual.
Transfer your balance in the first 90 days and benefit from an introductory 0% transfer fee.

Bank of Scotland Low Rate

Bank of Scotland Low Rate Image

No 0% intro

6.4% APR

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Representative example: Representative 6.4% APR variable. Based on assumed borrowing of £1,200. Rate of interest 6.45% (variable) annual.
Low rate of interest on purchases & transfers, offer exclusively available online

Halifax Low Rate Credit Card

Halifax Halifax Low Rate Credit Card Image

No 0% intro

6.4% APR

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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

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No 0% intro

6.9% APR

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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.

TSB Low rate Advance MasterCard

TSB TSB Low rate Advance MasterCard Image

3 months 0% interest on purchases

7.9% APR

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Representative example: Representative 7.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 7.9% PA (variable) annual.
Pay 0% interest on purchases & balance transfers for the first 3 months. Offer applies to transfers made within the first 90 days of account opening, subject to lending criteria and status.

Sainsbury’s Bank Nectar Low Rate Credit Card

Sainsbury's Bank Sainsbury’s Bank Nectar Low Rate Credit Card Image

No 0% intro

9.9% APR

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Representative example: Representative 9.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 9.93% (variable) annual.
One low rate on balance transfers & purchases, with no balance transfer fees to pay when you transfer a balance to Sainsbury's Bank.

NatWest Clear Rate Platinum Credit Card

'tWest NatWest Clear Rate Platinum Credit Card Image

No 0% intro

11.1% APR

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Representative example: Representative 11.1% APR variable. Based on £24 annual fee, assumed borrowing of £1,200. Rate of interest 6.9% (variable) annual.
One simple low rate on purchases and balance transfers, plus no balance transfer fees

Royal Bank of Scotland Clear Rate Platinum

Royal Bank of Scotland Royal Bank of Scotland Clear Rate Platinum Image

No 0% intro

11.1% APR

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Representative example: Representative 11.1% APR variable. Based on £24 annual fee, assumed borrowing of £1,200. Rate of interest 6.9% (variable) annual.
One simple low rate on purchases and balance transfers

Ulster Bank Clear Rate Card

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No 0% intro

11.1% APR

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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

Saga Platinum

Saga Saga Platinum Image

9 months 0% interest on purchases

11.9% APR

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Representative example: Representative 11.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 11.29% (variable) annual.
Available to customers over 50. No fee when spending abroad, plus a low APR of 11.9%

Save the Children Fixed Rate Platinum Card

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60 months 0.945% interest on purchases

12.9% APR

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Representative example: Representative 11.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 11.9% (variable) annual.

Amnesty International Fixed Rate Platinum

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60 months 0.945% interest on purchases

12.9% APR

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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

Smile Existing Customer Gold Visa

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No 0% intro

12.9% APR

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Representative example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% (variable) annual.

Oxfam Flat Rate Credit Card

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No 0% intro

12.9% APR

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Representative example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% (variable) annual.

Woodland Trust Flat Rate Card

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No 0% intro

12.9% APR

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Representative example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% (variable) annual.

First Trust Student Card

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No 0% intro

12.9% APR

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Representative example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.20% (variable) annual.

Creation Everyday Credit Card

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No 0% intro

12.9% APR

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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

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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.

First Trust Bank - Option 3

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No 0% intro

14.9% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative example: Representative 14.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 13.97% (variable) annual.

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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