Low Rate (APR) Cards

Credit cards were traditionally a very expensive kind of finance, with interest rates of over 30% APR not uncommon.

This is no longer the case though, as competition among card issuers has meant that rates have steadily fallen, and cards with a single figure cheap APR are now available - although still rare! Certainly rates have been creeping up again because of the credit crunch, but there are still some great deals out there, especially if you have a good credit rating.

Featured Low APR Cards:

 Card  Standard Rate  Notes
Barclaycard Simplicity 6.8% Offering a single low rate for both purchases and balance transfers - no intro period Apply >>>
Sainsbury's Mastercard 15.9% Including 0% on both purchases and balance transfers along with Nectar points Apply >>>
Halifax All In One 15.9% Featuring a long 0% balance transfer period Apply >>>
Virgin Card 16.6% The Virgin Card features a long 0% balance transfer period and awesome discounts on Virgin products Apply >>>
Egg Card 16.9% Visa card from the UK's largest online bank, also featuring the Egg Money Manager so you can see all your accounts in one place Apply >>>
Barclaycard Platinum Balance Transfer 16.9% Offering a long balance transfer period, but a fairly high APR Apply >>>
MBNA Platinum Rewards 16.9% Featuring a lucarative credit card rewards program Apply >>>
MBNA Platinum 16.9% A platinum card with a long balance transfer deal, from one of the world's leading credit card companies Apply >>>
HSBC Card 16.9% Lengthy 0% balance transfer deal Apply >>>
Tesco Clubcard Card 16.9% Card offered by Tesco Personal Finance, the main features being 0% intro rates on transfers and purchases, plus Clubcard points earned on your spending. Apply >>>
BMI Classic Mastercard 16.9% Earn bmi destinations miles as you spend Apply >>>
American Express Red 16.9% Supporting African HIV / Aids charities with up to 1% of your spending Apply >>>
MBNA For Life 16.9% Enjoy a low rate on balance transfers until they're paid off Apply >>>
BT Card 16.9% Build up phone bill discounts as you spend Apply >>>
The AA Visa 16.9% Earn reward points on everyday card purchases, double points on motoring and fuel purchases Apply >>>
American Express BA Card 17.9% Get carried away with your shopping and earn British Airways miles Apply >>>
American Express Platinum Moneyback 18.9% Earn MoneyBack at up to 5% rate Apply >>>
Virgin Purchases Card 18.9% With 0% on both purchases and bal;ance transfers Apply >>>

Other Cheap Credit Cards:

Barclaycard Platinum Low Rate 8.8% Permanently low rate on balance transfers and purchases  
Intelligent Finance Flat Rate Card 8.9% A great permanently low rate on both purchases and balance transfers  
Co-operative Bank Fixed Rate Visa 9.9% Guaranteed fixed rate for purchases and transfers for 5 years  
Goldfish Card 12.9% Featuring one of the longest balance transfer deals available  
Co-op Clear Card 12.9% New card from the Co-op offering one fixed low rate for purchases and balance transfers  
Co-op Think Card 12.9% Spend at one of the Co-op's Ethical Partners and receive a preferential interest rate of 7%  
Shelter Flat Rate Card 12.9% With donations to the homeless charity  
Barclaycard Breathe 14.9% Offers discounts on green spending, plus half of profits go towards tackling climate change  
Student Barclaycard 14.9%  
GM Platinum 14.9% Earn rebates on a new Vauxhall or Saab car  
Mint Card 14.9% The Mint Card features one of the longest 0% introductory periods available  
Barclaycard Flexi-Rate 14.9% Pay more each month to get a lower interest rate  
Capital One Plus 14.9% Offering a 0% purchases deal  
Barclaycard OnePulse Balance Transfer 14.9% Provides easy travel around London with its Oyster Card functionality, plus a balance transfer deal and shopping rewards  
Barclaycard OnePulse Cashback 14.9% Combines a balance transfer deal with cashback and Oyster Card features  
Hilton Mastercard 15.9% Earn bonus points you can redeem at Hilton Hotels across the world. Also features an intro balance transfer offer  
Co-op Advantage Platinum 15.9% With intro deals on balance transfers and purchases, plus donations to 'good causes' as you spend  
NatWest Platinum 15.9%  
RBS Classic Card 15.9%  
Priority Club Card 15.9% Benefit from a balance transfer deal while earning Priority Club Points on your spending  
Conran Credit Card 15.9% Featuring a loyalty program where your spending earns you shares inthe cards profits - spend more, earn more.  
Tesco Bonus Card 15.9%  
RSPCA Visa 16.9% Support the animal protection charity while enjoying the benefits of a well-featured Mastercard credit card  
Citi Platinum Mastercard 16.9% Featuring a long 0% deal on balance transfers  
Co-op Travel Card 16.9% Earn travel reward points when you spend  
Barclaycard Platinum Long Term Balance Transfer 16.9%  
Ryan Air Card 16.9%  
AOL Card 16.9% Two rewards programs on one card, plus discounts on AOL subscriptions  
Post Office Credit Card 16.9% No commission on overseas spending, plus repeating balance transfer offers  
Sony Card 16.9%  
Barclaycard Platinum Cashback 16.9% Cashback earnings are limited to £30 a month  
Citibank Shell Mastercard 16.9% With fuel rebates and a balance transfer deal  
American Express Nectar 18.9% Also includes 5000 bonus Nectar points when you first spend £200 with the card  


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