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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.

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Sorted by lowest Representative APR

Purchases intro period & rate
Representative APR
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Sorted by lowest Representative APR

Low APR

Bank of Scotland Low Rate

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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.

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

Virgin Money Low Rate

Virgin Money Virgin Money 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 6.4% (variable) annual.
7.67% p.a on balance and money transfers for the life of the balance, offer applies to transfers made within the first 60 days.

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

AA Low Rate Credit Card

AA Low Rate Credit Card Image

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.
40% discount on AA European Breakdown Cover when you book a minimum of 3 days cover (terms & conditions apply). One low rate of interest for balance transfers and purchases.

The MBNA Everyday Plus American Express® Credit Card

MB' Ltd  The MBNA Everyday Plus American Express® Credit Card  Image

No 0% intro

7.4% APR

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Representative Example: Representative 7.4% APR variable. Based on assumed borrowing of £1,200. Rate of interest 7.4% (variable) annual.
One low rate of 7.4% for purchases, balance & money transfers, plus no handling fees on non-sterling transactions.

Tesco Bank Credit Card with Low APR

placeholder card image

3 months 0% interest on purchases

7.8% APR

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Representative Example: Representative 7.8% APR variable. Based on assumed borrowing of £1,200. Rate of interest 7.8% (variable) annual.

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

RBS Clear Rate Platinum Credit Card

Royal Bank of Scotland RBS 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

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 11.3% (variable) annual.
Available to customers over 50. No fee when spending abroad, plus a low APR of 11.9%

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