Low Rate Credit 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
Lloyds TSB Platinum Lloyds TSB Platinum 15.% Apply >>>
Representative example: Assumed borrowing of £1200, representative 15.% APR (variable). Purchase rate 15.% PA.
Virgin All Round Virgin All Round 15.8% A great all round card with a bit of everything Apply >>>
Representative example: Assumed borrowing of £1200, representative 15.8% APR (variable). Purchase rate 15.8% PA.
Sainsbury's Mastercard Sainsbury's Mastercard 15.9% Including 0% on both purchases and balance transfers, plus 12 months interest free Sainsbury's shopping Apply >>>
Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA.
Nationwide Credit Card Nationwide Credit Card 15.9% Choose either a long balance transfer offer or extended 0% purchases deal Apply >>>
Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA.
MBNA Platinum MBNA Platinum 16.7% A platinum card with a long balance transfer deal, from one of the world's leading credit card companies Apply >>>
Representative example: Assumed borrowing of £1200, representative 16.7% APR (variable). Purchase rate 16.7% PA.
Tesco Clubcard Credit Card Tesco Clubcard Credit 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 >>>
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.
Post Office Credit Card Post Office Credit Card 16.9% No commission on overseas spending, plus repeating balance transfer offers Apply >>>
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.
Bank of Scotland Plus Bank of Scotland Plus 16.9% A market leading balance transfer offer, plus 0% on purchases Apply >>>
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.
Halifax 20 Month Balance Transfer Halifax 20 Month Balance Transfer 16.9% 0% deals on both purchases and balance transfers Apply >>>
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. The APR and length of the promotional offer are dependent on your personal circumstances.
HSBC Card HSBC Card 17.9% Lengthy 0% balance transfer deal Apply >>>
Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA.
Halifax All In One Halifax All In One 17.9% Featuring a long 0% balance transfer period Apply >>>
Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA.
Bank of Scotland All In One Bank of Scotland All In One 17.9% 2 great 0% offers and a decent standard rate Apply >>>
Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA.
Halifax Rewards All In One Halifax Rewards All In One 17.9% Great offers as a reward for Halifax customers Apply >>>
Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA.
American Express Platinum Cashback American Express Platinum Cashback 18.5% Earn Cashback at up to 2.5% rate Apply >>>
Representative example: Assumed borrowing of £1200, representative 18.5% APR (variable). Purchase rate 18.5% PA.
Natwest Student Card Natwest Student Card 18.9% Basic card for students who also bank with Natwest Apply >>>
Representative example: Assumed borrowing of £1200, representative 18.9% APR (variable). Purchase rate 18.9% PA.
Barclaycard Gold Barclaycard Gold 19.9% Rewards, 0% balance transfers, plus contactless payment technology Apply >>>
Representative example: Assumed borrowing of £1200, representative 19.9% APR (variable). Purchase rate 19.9% PA.
Capital One World Mastercard Capital One World Mastercard 19.9% Earn unlimited cashback on all purchases Apply >>>
Representative example: Assumed borrowing of £1200, representative 19.9% APR (variable). Purchase rate 19.9% PA.




Other Cheap Credit Cards:

 Card  Standard Rate  Notes
Barclaycard Simplicity 7.9% Offering a single low rate for both purchases and balance transfers - no intro period  
Representative example: Assumed borrowing of £1200, representative 7.9% APR (variable). Purchase rate 7.9% PA.

Lloyds Advance 11.9% A low rate card that also features intro deals on purchases and transfers  
Representative example: Assumed borrowing of £1200, representative 11.9% APR (variable). Purchase rate 11.9% PA.

Goldfish Card 12.9% Featuring one of the longest balance transfer deals available  
Representative example: Assumed borrowing of £1200, representative 12.9% APR (variable). Purchase rate 12.9% PA.

Co-op Clear Card 12.9% New card from the Co-op offering one fixed low rate for purchases and balance transfers  
Representative example: Assumed borrowing of £1200, representative 12.9% APR (variable). Purchase rate 12.9% PA.

Co-op Think Card 12.9% Spend at one of the Co-op's Ethical Partners and receive a preferential interest rate of 7%  
Representative example: Assumed borrowing of £1200, representative 12.9% APR (variable). Purchase rate 12.9% PA.

Barclaycard Breathe 14.9% Offers discounts on green spending, plus half of profits go towards tackling climate change  
Representative example: Assumed borrowing of £1200, representative 14.9% APR (variable). Purchase rate 14.9% PA.

GM Platinum 14.9% Earn rebates on a new Vauxhall or Saab car  
Representative example: Assumed borrowing of £1200, representative 14.9% APR (variable). Purchase rate 14.9% PA.

Mint Card 14.9% The Mint Card features one of the longest 0% introductory periods available  
Representative example: Assumed borrowing of £1200, representative 14.9% APR (variable). Purchase rate 14.9% PA.

Barclaycard Flexi-Rate 14.9% Pay more each month to get a lower interest rate  
Representative example: Assumed borrowing of £1200, representative 14.9% APR (variable). Purchase rate 14.9% PA.

Hilton Mastercard 15.9% Earn bonus points you can redeem at Hilton Hotels across the world. Also features an intro balance transfer offer  
Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA.

Co-op Advantage Platinum 15.9% With intro deals on balance transfers and purchases, plus donations to 'good causes' as you spend  
Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA.

Natwest Gold Card 15.9%  
Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA.

Tesco Bonus Card 15.9%  
Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA.

Lloyds TSB Airmiles Duo 15.9% Two cards on one account, both earning Airmiles  
Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA.

Virgin Card 16.8% The Virgin Card features a long 0% balance transfer period and awesome discounts on Virgin products  
Representative example: Assumed borrowing of £1200, representative 16.8% APR (variable). Purchase rate 16.8% PA.

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  
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.

RSPCA Visa 16.9% Support the animal protection charity while enjoying the benefits of a well-featured Mastercard credit card  
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.

MBNA Platinum Rewards 16.9% Featuring a lucarative credit card rewards program  
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.

Citi Platinum Mastercard 16.9% Featuring a long 0% deal on balance transfers  
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.

Co-op Travel Card 16.9% Earn travel reward points when you spend  
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.

BMI Classic Mastercard 16.9% Earn bmi destinations miles as you spend  
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.

AOL Card 16.9% Two rewards programs on one card, plus discounts on AOL subscriptions  
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.

BT Card 16.9% Build up phone bill discounts as you spend  
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.

Citibank Shell Mastercard 16.9% With fuel rebates and a balance transfer deal  
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.

The AA Visa 16.9% Earn reward points on everyday card purchases, double points on motoring and fuel purchases  
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.

Halifax Plus 16.9% A generous 0% deal on balance transfers  
Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.

RBS Platinum 16.95% A long balance transfer offer and relatively low acceptance criteria  
Representative example: Assumed borrowing of £1200, representative 16.95% APR (variable). Purchase rate 16.95% PA.

Barclaycard Platinum Balance Transfer 17.9% Offering a long balance transfer period, but a fairly high APR  
Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA.

NatWest Platinum 17.9% A long balance transfer deal plus benefits such as Wine Club discounts and travel booking and support  
Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA.

RBS YourPoints World 17.9% Decent introductory offers, rewards program, and 2,500 bonus points on account opening  
Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA.



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