Content begins 

Compare Credit Cards

Low APR Credit Cards from 6.9%
(APR Representative)

Our experts have selected of the best cheap credit cards available on the market. Use the tabs to compare credit cards for more specific purposes including 0% balance transfer , 0% purchases , cash back , rewards and credit building (adverse credit) credit cards.

Our Expert choice:Barclaycard Platinum With BT

Our Expert Choice Credit Card

0% interest on balance transfers for 33 months from account opening (2.89% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.89% by a refund.

  • 0% interest on purchases for 6 months from account opening.
  • 18.9% APR Representative Variable.

More Info

I would like to...

Expert Choice Credit Cards
Balance Transfers Purchases
Credit Card Rate Duration Fee Rate Duration Representative APR Apply
Barclaycard
0.0% 33 Months 2.89% 0.0% 6 Months 18.9%Variable
0% interest on balance transfers for 33 months from account opening (2.89% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.89% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Barclaycard Platinum With BT (33 Mths)

Show Details

Halifax
0.0% 32 Months 2.65% 0.0% 6 Months 18.9%Variable

0% for up to 32 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 32 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 32 or 29 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 26 months and a representative rate of 25.9% APR (variable). 2.7% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 0.3% within 90 days, so the effective fee is 2.7%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 6 months from account opening on purchases.

Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (32 Mths)

Show Details

Lloyds Bank
0.0% 32 Months 2.8% 0.0% 6 Months 18.9%Variable
Saving - 0% interest for up to the first 32 months on balances transferred within the first 90 days after your account is opened. 2.8% effective fee applies on each balance transfer made in the first 90 days. An initial 3.5% fee applies; we'll then refund 0.7% within 90 days, so the effective fee is 2.8%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. Shopping – 0% interest on purchases for the first 6 months after your account is opened.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (32 Mths)

Show Details

Bank of Scotland
0.0% 32 Months 2.8% 0.0% 6 Months 18.9%Variable
0% for up to 32 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best offer of 0% on balance transfers for the first 32 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 29 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 26 months and a representative rate of 25.9% APR (variable). 2.8% effective fee applies on each balance transfer made in the first 90 days. An initial 3.5% fee applies; we'll then refund 0.7% within 90 days, so the effective fee is 2.8%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for the first 6 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (32 Mths)

Show Details

Tesco Bank
0.0% 32 Months 2.9% 0.0% 3 Months 18.9%Variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 18.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card (Balance Transfer)

Show Details

Tesco Bank
0.0% 10 Months 0.0% 0.0% 10 Months 18.9%Variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 18.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card with No BT Fee

Show Details

Halifax
0.0% 19 Months 2.0% 0.0% 16 Months 18.9%Variable
0% for 19 months on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a rate of either 21.9% APR (variable), or 25.9% APR (variable). 2% fee applies on each balance transfer made in the first 90 days. 3% fee applies for each balance transfer made after the first 90 days. 0% for the first 16 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (19 Mths)

Show Details

Tesco Bank
0.0% 3 Months 2.9% 0.0% 19 Months 18.9%Variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 16.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card (Purchase)

Show Details

Lloyds Bank
0.0% 18 Months 2.0% 0.0% 16 Months 18.9%Variable
Saving - 0% interest for up to the first 18 months on balances transferred within the first 90 days after your account is opened. Balance transfer fee of 2.0% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter. Shopping – 0% interest on purchases for the first 16 months after your account is opened.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (18 Mths)

Show Details

Bank of Scotland
0.0% 18 Months 2.0% 0.0% 16 Months 18.9%Variable
Exclusively available online: a balance transfer offer, with a 2% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% for 18 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 25.9% APR (variable). 2% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 16 months from account opening on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (18 Mths)

Show Details

Santander
0.0% 9 Months 3.0% 0.0% 18 Months 18.9%Variable
0% for 18 months on purchases. 0% for 9 months on balance transfers from date of account opening (3% fee applies, minimum £5). No annual fee. Subject to status. You will receive the exact rate and offer advertised if your application is accepted.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Santander | Purchase Credit Card

Show Details

Barclaycard
0.0% 19 Months 2.49% 0.0% 14 Months 18.9%Variable
0% interest for 14 months on purchases and 0% for 19 months on balance transfers. A fee of 2.9% will be applied, then reduced to 2.49% by a refund (terms and conditions apply).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum Purchase

Show Details

Sainsburys Bank
0.0% 31 Months 2.89% 0.0% 6 Months 18.9%Variable
Sainsbury's Nectar Balance Transfer Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card. 0% balance transfers for the first 31 months from account opening. (2.89% fee applies for transfers in the first 3 months from opening then 3% afterwards). 0% on purchases for the first 6 months from account opening. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Balance Transfer Credit Card

Show Details

Barclaycard
0.0% 32 Months 2.64% 0.0% 6 Months 18.9%Variable
0% interest on balance transfers for 32 months from account opening (2.64% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.64% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Barclaycard Platinum With BT (32 Mths)

Show Details

Halifax
0.0% 30 Months 2.5% 0.0% 6 Months 18.9%Variable
Exclusively available online: a balance transfer offer, with a 2.5% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% for up to 30 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best offer of 0% on balance transfers for the first 30 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 30 or 27 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 24 months and a representative rate of 25.9% APR (variable). 2.5% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for the first 6 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (30 Mths) - Semi Excl

Show Details

Santander
0.0% 29 Months 3.0% 0.0% 3 Months 18.9%Variable
0% for 29 months on balance transfers. 3% balance transfer fee applies (minimum £5). 0% for 3 months on purchases. Subject to status. You will receive the exact rate and offer advertised if your application is accepted.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Santander | Long Term Balance Transfer Credit Card

Show Details

TSB
0.0% 28 Months 3.0% 0.0% 3 Months 18.9%Variable
0% interest for up to 28 months on balances transferred within the first 90 days (3% fee). 0% on purchases for the first 3 months. Representative 18.9% APR (variable). 
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

TSB | Platinum Balance Transfer Card - (28 Mths)

Show Details

AA
0.0% 28 Months 2.9% 0.0% 3 Months 18.9%Variable
0% for up to 28 months from the date your account is opened on balance transfers made in the first 60 days, with a handling fee of just 2.9%, minimum of £3. 0% on all card spending for up to 3 months from the date your account is opened. Money transfers are available at 0% for up to 28 months from the date your account is opened and made within the first 60 days (4% fee, minimum of £3).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

AA | Balance Transfer Credit Card

Show Details

Sainsburys Bank
0.0% 16 Months 3.0% 0.0% 16 Months 16.9%Variable

Sainsbury's Nectar Purchase Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card or use it online. 0% interest on balance transfers for the first 16 months from account opening (3% balance transfer fee applies). 0% on purchases for the first 16 months from account opening. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money purchases.

Representative Example: If you borrow £1200 at a purchase rate of 16.94% p.a.(variable), you will pay 16.9% APR Representative (variable).

Sainsburys Bank | Nectar Credit Card

Show Details

Santander
0.0% 1 Months 3.0% 0.0% 18 Months 16.5%Variable

Get cashback on your everyday spending: 1% cashback at all major supermarkets, 2% cashback at all major departments stores, 3% cashback at all petrol stations and on National Rail and Transport for London travel (on combined spend of up to £300 a month). Terms & Conditions apply. 0% for 18 months on purchases from account opening. 16.5% APR Representative (Variable). Annual fee and terms apply. If you already have, or if you open a new Santander 123 Current Account, Santander will refund the first year's £24 annual fee on your 123 Credit Card. Offer valid until 31/12/2014. Contactless payments on items below £20. Subject to status. 

Representative Example: If you borrow £1200 at a purchase rate of 12.7% p.a.(variable), with an £24 annual fee, you will pay 16.5% APR Representative (variable).

Santander | 123 Credit Card

Show Details

Lloyds Bank
0.0% 10 Months 0.4% 0.0% 10 Months 18.9%Variable
Saving - 0% interest for up to the first 10 months on balances transferred within the first 90 days after your account is opened.0.4% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. Shopping – 0% interest on purchases for the first 10 months after your account is opened.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (10 Mths)

Show Details

Bank of Scotland
0.0% 10 Months 0.4% 0.0% 10 Months 18.9%Variable
Our lowest balance transfer fee - we'll refund 2.6% of the initial 3% fee, so the effective fee is 0.4%. Applies to balance transfers in the first 90 days from account opening. Offer exclusively available online only. 0% for 10 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 25.9% APR (variable). 0.4% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 10 months from account opening on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (10 Mths)

Show Details

Halifax
0.0% 10 Months 0.4% 0.0% 10 Months 18.9%Variable
0% for 10 months on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a rate of either 21.9% APR (variable), or 25.9% APR (variable). 0.4% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 10 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (10 Mths)

Show Details

Sainsburys Bank
0.0% 12 Months 0.5% 0.0% 12 Months 18.9%Variable
Sainsbury's Nectar Low Balance Transfer Fee Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Plus, you'll get 0% on purchases and balance transfers for 12 months from account opening. 0.5% balance transfer fee (minimum £3) during the first 3 months from account opening, then 3% onwards. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel (plus 1 point per litre when you also swipe your Nectar card). One Nectar point for every £5 spent on your card elsewhere. 
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Low BT Fee Credit Card

Show Details

Nationwide Building Society
0.0% 15 Months 0.65% 0.0% 3 Months 17.9%Variable
0.65% balance transfer fee (minimum £5). Balance transfer fee of 0.65% applies for the first 3 months of account opening, after which time it will revert to 2.4%. 0% on balance transfers for 15 months. 0% on purchases for 3 months. Spread the cost of purchases at 0%.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Low Fee Balance Transfer)

Show Details

TSB
0.0% 15 Months 0.8% 0.0% 3 Months 17.9%Variable
0% interest for up to 15 months on balances transferred within the first 90 days (0.8% fee, this will increase to 3% after 90 days from account opening). 0% on purchases for the first 3 months. Representative 17.9% APR (variable). 
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

TSB | Platinum Balance Transfer Card - (15 Mths)

Show Details

Halifax
0.0% 15 Months 0.8% 0.0% 15 Months 17.9%Variable
This Halifax Credit Card has a low 0.8% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% up to the first 15 months on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best representative rate of 17.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 25.9% APR (variable). 0% for the first 15 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Halifax | All in One Card Credit Card

Show Details

Capital One
N/A N/A N/A 0.0% Dec 14 until 34.9%Variable
Build your credit with our low limit, easy-to-manage credit card. Great for people who want to build or rebuild their credit history. 0% on purchases until December 2014. Credit limit from £200 to £1,500. Credit limit reviewed regularly with up to two optional credit limit increases per year. Register for email alerts to help you stay in control.
Representative Example: If you borrow £1200 at a purchase rate of 34.94% p.a.(variable), you will pay 34.9% APR Representative (variable).

Capital One | Classic Purchase Card

American Express
N/A N/A N/A N/A N/A 19.9%Variable
5% cashback during your first three months on up to £2,000 in purchases. After the first three months you’ll earn up to 1.25% cashback, depending on how much you spend on the Card: Spend £0 to £3,500 and receive 0.5% cashback on that spend. Spend between £3,500 and £7,500, receive 1% cashback on that spend. Spend over £7,501 and receive 1.25% cashback on that spend. As long as you spend a minimum of £3,000 in a year, almost every full pound you spend on your Card qualifies for cashback.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), you will pay 19.9% APR Representative (variable).

American Express | Platinum Cashback Everyday Card

Show Details

Nationwide Building Society
0.0% 26 Months 2.4% 0.0% 3 Months 17.9%Variable
Nationwide Credit Card - 0% on balance transfers for 26 months (2.4% balance transfer fee applies, minimum £5.00), plus 0% on purchases for 3 months. 17.9% APR representative variable.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Balance Transfer)

Show Details

Barclaycard
0.0% 25 Months 1.5% 0.0% 6 Months 18.9%Variable
0% interest on balance transfers for 25 months from account opening (1.50% fee applies). A fee of 2% will be applied, then reduced to 1.50% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (25 Mths)

Show Details

Lloyds Bank
0.0% 24 Months 1.5% 0.0% 3 Months 17.9%Variable
Saving - 0% interest for up to the first 24 months on balances transferred within the first 90 days. Low standard balance transfer fee of 1.5% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter. Shopping – 0% interest on purchases for the first 3 months. Easy spending – accepted worldwide.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (24 Mths) - Excl

Show Details

Bank of Scotland
0.0% 24 Months 1.5% 0.0% 3 Months 17.9%Variable
Exclusively available online: a balance transfer offer, with a 1.5% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% up to the first 24 months on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best offer of 0% on balance transfers for the first 24 months and a representative rate of 17.9% APR (variable). Others will get 0% on balance transfers for the first 21 and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 18 months and a representative rate of 25.9% APR (variable). 0% for the first 3 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (24 Mths) - Semi Ex

Show Details

Halifax
0.0% 24 Months 1.5% 0.0% 3 Months 18.9%Variable
Exclusively available online: a balance transfer offer, with a 1.5% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% up to the first 24 months on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best offer of 0% on balance transfers for the first 24 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 21 or 18 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 15 months and a representative rate of 25.9% APR (variable). 0% for the first 3 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (24 Mths) - Semi Excl

Show Details

Post Office Ltd
0.0% 18 Months 2.98% 0.0% 3 Months 17.8%Variable
Post Office® Credit Card. The credit card for everyday use home and abroad. 17.8% APR Representative (variable). The Post Office Credit Card offers you a range of benefits whether you use it at home or abroad. 17.8% APR Representative (variable).
Representative Example: If you borrow £1200 at a purchase rate of 17.8% p.a.(variable), you will pay 17.8% APR Representative (variable).

Post Office Ltd | Platinum Card

Show Details

Barclaycard
0.0% 18 Months 2.9% 0.0% 3 Months 27.9%Variable
0% interest on balance transfers for 18 months from account opening (2.9% handling fee applies). 0% interest on purchases for 3 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 27.9% p.a.(variable), you will pay 27.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (18 Mths)

Show Details

Capital One
N/A N/A N/A N/A N/A 29.8%Variable
Get control over your finances with our low limit, easy-to-manage credit card. Great for people who want to build or rebuild their credit history. Credit limit from £200 to £1,500. 
Representative Example: If you borrow £1200 at a purchase rate of 29.84% p.a.(variable), you will pay 29.8% APR Representative (variable).

Capital One | Classic Platinum Card

Santander
0.0% 17 Months 0.9% 0.0% 3 Months 18.9%Variable
0% for 17 months on balance transfers. 0.9% balance transfer fee applies (minimum £5). 0% for 3 months on purchases. Subject to status. You will receive the exact rate and offer advertised if your application is accepted.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Santander | Low Balance Transfer Fee Credit Card

Show Details

Capital One
N/A N/A N/A N/A N/A 34.9%Variable
A credit card offer for people who want to build or rebuild their credit history. Low, easy-to-manage credit limit from £200.
Representative Example: If you borrow £1200 at a purchase rate of 34.94% p.a.(variable), you will pay 34.9% APR Representative (variable).

Capital One | Classic Card

Capital One
N/A N/A N/A N/A N/A 34.9%Variable
Great for people who want to build or rebuild their credit rating. Offers 0.5% Cashback on all purchases. Earn a £10 annual reward for paying on time each month. Credit limit from £200 to £1,500.
Representative Example: If you borrow £1200 at a purchase rate of 34.94% p.a.(variable), you will pay 34.9% APR Representative (variable).

Capital One | Classic Extra Card

Lloyds Bank
0.0% 13 Months 3.0% 0.0% 13 Months 22.7%Variable
Get a choice of rewards for your everyday spend. 0% interest for the first 13 months on purchases and on balances transferred within the first 90 days (3% fee applies). Collect 10 Choice points for every £1 of eligible spend on the Choice Rewards American Express®. Whether it’s cashback, shopping vouchers, magazines subscriptions or even travel rewards through Avios, you’ll get to choose the reward you want, when you want. Get there quicker – with double Choice points on eligible spend¹ for the first 6 months on your American Express Card.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), with an £24 annual fee, you will pay 22.7% APR Representative (variable).

Lloyds Bank | Choice Rewards Credit Card (MCard)

Show Details

Barclaycard
0.0% 9 Months 2.9% N/A N/A 18.9%Variable

An amazing 10,500 Freedom bonus points worth £30 when you spend £500 or more in the first three months of account opening (terms and conditions apply). Rewards range from the high street, online favourites, places to eat and drink, to top entertainment and days out. Earn points wherever you shop, with double Freedom points on your UK supermarket, petrol station and all Transport for London (TfL) spend, plus triple points at selected Freedom partners (terms and conditions apply). 0% interest on balance transfers for 9 months from account opening (2.9% handling fee applies).

Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Freedom Rewards

Show Details

Sainsburys Bank
N/A N/A N/A N/A N/A 6.9%Variable
Sainsbury's Nectar Low Rate Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar Card or use it online. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money purchases.
Representative Example: If you borrow £1200 at a purchase rate of 6.95% p.a.(variable), you will pay 6.9% APR Representative (variable).

Sainsburys Bank | Nectar Low Rate Credit Card

Show Details

NatWest
N/A N/A N/A N/A N/A 11.1%Variable
No confusing introductory offers. A simple, low rate for balance transfers and purchases – 6.9% p.a. (variable). No balance transfer fees – just one annual fee of £24. Representative 11.1% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 6.9% p.a.(variable), with an £24 annual fee, you will pay 11.1% APR Representative (variable).

NatWest | Clear Rate Platinum Credit Card

Show Details

Royal Bank of Scotland
N/A N/A N/A N/A N/A 11.1%Variable
No confusing introductory offers. A simple, low rate for balance transfers and purchases – 6.9% p.a. (variable). No balance transfer fees – just one annual fee of £24. Representative 11.1% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 6.9% p.a.(variable), with an £24 annual fee, you will pay 11.1% APR Representative (variable).

Royal Bank of Scotland | Clear Rate Platinum Credit Card

Show Details

Argos
N/A N/A N/A N/A N/A 39.9%Variable
Start with a manageable credit limit between £150 and £1000. You could get a credit limit increase on your 4th statement (Conditions apply). And further increases every 4 months, up to £3,000 (Conditions apply). To be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over your credit limit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase. Representative 39.9% APR (variable). You must not have applied for a Vanquis, Granite, Aquis or Black Diamond Card within the last 6 months. Do not apply for the Argos Credit Card if you currently hold a Vanquis, Granite, Aquis or Black Diamond Card. Credit is provided by Vanquis Bank Limited.
Representative Example: If you borrow £1000 at a purchase rate of 39.94% p.a.(variable), you will pay 39.9% APR Representative (variable).

Argos | Credit Card

Show Details

TSB
0.0% 13 Months 1.0% 0.0% 13 Months 17.9%Variable
0% on purchases for the first 13 months. 0% interest for the first 13 months on balances transferred within the first 90 days (1% fee, this will increase to 3% after 90 days from account opening). Representative 17.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

TSB | Platinum Purchase Card

Show Details

Avios
0.0% 13 Months 3.0% 0.0% 13 Months 50.8%Variable
A new exclusive Credit Card Account from Lloyds Bank has taken off – and it’s packed with travel rewards. The Premier Avios Rewards Credit Card Account. No foreign transaction fees. Flight Upgrade Voucher with annual spend of £5,000. Worldwide Companion Ticket with annual spend of £12,000. 0% on balance transfers and purchases for 13 months (balances transferred within the first 90 days, 3% fee applies). Double Avios for 6 months with your American Express® Card. Collect 1.5 Avios per £1 spent on the Lloyds Bank Premier Avios Rewards American Express® Card. Collect  1.5 Avios per £5 spent on the Lloyds Bank Premier Avios Rewards MasterCard®. Annual account fee of £140.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), with an £140 annual fee, you will pay 50.8% APR Representative (variable).

Avios | Lloyds Bank Premier Avios Rewards (MCard)

Show Details

Avios
0.0% 13 Months 3.0% 0.0% 13 Months 22.7%Variable
A brand new Credit Card Account from Lloyds Bank has taken off – and it’s packed with travel rewards. The Avios Rewards Credit Card Account. No foreign transaction fees. Flight Upgrade Voucher when your spend reaches £7,000 in a year. 0% on balance transfers and purchases for 13 months (balances transferred within the first 90 days, 3% fee applies). Collect 1.25 Avios per £1 spent on the Lloyds Bank Avios Rewards American Express® Card. Collect 1.25 Avios per £5 spent on the Lloyds Bank Avios Rewards MasterCard®. Collect double Avios on eligible spend for the first 6 months on the Avios Rewards American Express® Card. Double Avios for 6 months with your American Express® Card.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), with an £24 annual fee, you will pay 22.7% APR Representative (variable).

Avios | Lloyds Bank Avios Rewards Credit Card (MCard)

Show Details

Lloyds Bank
0.0% 13 Months 1.0% 0.0% 13 Months 17.9%Variable

A great introductory offer on purchases and balance transfers. Good for: Shopping – 0% interest on purchases for the first 13 months. Saving - 0% interest for the first 13 months on balances transferred in the first 90 days. Low standard balance transfer fee of 1% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.

Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Lloyds Bank | Platinum Purchase Card

Show Details

Bank of Scotland
0.0% 13 Months 1.0% 0.0% 13 Months 17.9%Variable
Exclusively available online: our longest balance transfer offer, with a 1% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% up to the first 13 months on purchases. 0% up to the first 13 months on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best representative rate of 17.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 23.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Scotland | Platinum Purchase Card

Show Details

AA
0.0% 12 Months 3.0% 0.0% 10 Months 16.9%Variable
0% for 12 months from the date your account is opened, on balance transfers made in the first 90 days (3% fee). 0% for 10 months on all card purchases from the date your account is opened.
Representative Example: If you borrow £1200 at a purchase rate of 16.9% p.a.(variable), you will pay 16.9% APR Representative (variable).

AA | Rewards Credit Card

Show Details

Nationwide Building Society
N/A N/A N/A 0.0% 15 Months 17.9%Variable
Nationwide Credit Card - 0% on purchases for 15 months. 17.9% APR representative variable.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Purchases)

Show Details

Barclaycard
N/A N/A N/A 0.0% 3 Months 34.9%Variable

Can help to build your credit rating. Suitable if your financial situation has been improving. You must be over 18 years of age, earn over £3,000 a year and not be unemployed. You must not have been made bankrupt in the last six years – including having an Individual Voluntary Arrangement or Debt Relief Order. You must not have more than one County Court Judgement or recently missed a bill payment. Manageable credit limits from £250 - £1,000. Great for: being able to reduce your interest rate by always paying on time and staying within your credit limit. 0% interest on purchases for 3 months from account opening. Barclaycard have made improvements their product/offering and as a result are now accepting more people than ever before onto Barclaycard Initial.

Representative Example: If you borrow £1200 at a purchase rate of 34.9% p.a.(variable), you will pay 34.9% APR Representative (variable).

Barclaycard | Initial Credit Card

Show Details

American Express
N/A N/A N/A N/A N/A 18.7%Variable
Enjoy a generous 5% cashback on virtually everything you buy for 3 months, on up to £2,500 in purchases. After the introductory period you’ll receive 1.25% cashback on virtually everything you buy – not just for a limited period. 2.5% cashback in the first month of every year if you spend more than £10,000 in your previous 12 months.
Representative Example: If you borrow £1200 at a purchase rate of 14.0% p.a.(variable), with an £25 annual fee, you will pay 18.7% APR Representative (variable).

American Express | Platinum Cashback Credit Card

Show Details

Nectar
N/A N/A N/A N/A N/A 25.0%Variable
20,000 Nectar bonus points welcome offer – worth at least £100 to spend with Nectar partners (when Cardmembers spend £2,000 in their first 3 months). Collect points up to twice as fast at Nectar partners when you swipe your loyalty card and pay with your Nectar Credit Card.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), with an £25 annual fee, you will pay 25.0% APR Representative (variable).

Nectar | Credit Card

Show Details

TSB
4.9% 12 Months 3.0% 0.0% 6 Months 11.9%Variable
0% interest on purchases for the first 6 months. 4.9% p.a. interest for the first 12 months on balances transferred within the first 90 days (3% fee applies). Representative 11.9% APR (variable), interest charged from the date of the transaction.
Representative Example: If you borrow £1200 at a purchase rate of 11.95% p.a.(variable), you will pay 11.9% APR Representative (variable).

TSB | Advance Credit Card

Show Details

Lloyds Bank
4.9% 12 Months 3.0% 0.0% 6 Months 11.9%Variable
Your perfect shopping partner. Good for: Shopping - 0% for the first 6 months on purchases, Saving - 4.9% p.a. for the first 12 months on balances transferred in the first 90 days (with a 3% fee on each individual balance transfer). New Lloyds Bank credit card customers only. Spreading purchase costs with our lowest available APR.
Representative Example: If you borrow £1200 at a purchase rate of 11.95% p.a.(variable), you will pay 11.9% APR Representative (variable).

Lloyds Bank | Advance Credit Card

Show Details

Capital One
N/A N/A N/A N/A N/A 19.9%Variable
Capital One Aspire® Elite. Our most prestigious credit card offers cashback on any purchase with VIP benefits. 5% cashback for the first three months (max £200). Up to 2% cashback thereafter. Concierge service.  Extended warranty. Best price protection. Annual fee applies.
Representative Example: If you borrow £12000 at a purchase rate of 17.57% p.a.(variable), with an £120 annual fee, you will pay 19.9% APR Representative (variable).

Capital One | Aspire Elite Card

TSB
0.0% 6 Months 3.0% N/A N/A 17.9%Variable
The great thing about having two cards on one account is the flexibility to collect Avios as fast as possible. Together, they combine great collection rates with worldwide acceptance, so it’s worth carrying both when you shop. You'll collect Avios on almost every purchase you make on a TSB Avios American Express® Card and Avios for every £5 of eligible spend on the TSB Avios Mastercard®. Collect in over 32 million MasterCard locations, and millions of American Express merchants on the high street and around the world. Collect double Avios on your eligible spend abroad. 0% for 6 months on balances transferred within the first 90 days (3% fee applies). You'll also collect 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider. ‘You'll collect 1 Avios on almost every £1 you spend on the TSB Avios American Express® Card and 1 Avios for every £5 of eligible spend on the TSB Avios MasterCard®
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

TSB | Avios Credit Card (MCard)

Show Details

TSB
0.0% 6 Months 3.0% N/A N/A 23.7%Variable
You’ll collect 25% more Avios with the Premier Avios Credit Cards than with the Avios Credit Cards on eligible spend, and if your eligible spend is over £15,000 on your Cards in a year, you’ll get a Companion Ticket so you can take someone special away. Collect 1.25 Avios for every £1 of eligible spend on the Premier Avios American Express® Card and 1.25 Avios for every £5 of eligible spend on the Premier Avios MasterCard®. Collect in over 32 million MasterCard locations, and millions of American Express merchants on the high street and around the world. Collect double Avios on your eligible spend abroad. Companion Ticket with £15,000 of eligible spend in one year. 0% for the first 6 months on balances transferred within the first 90 days (3% fee applies). You'll also collect 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider.
Representative Example: If you borrow £1200 at a purchase rate of 13.95% p.a.(variable), with an £50 annual fee, you will pay 23.7% APR Representative (variable).

TSB | Premier Avios Credit Card (MCard)

Show Details

Aquis
N/A N/A N/A N/A N/A 29.8%Variable
Managing your money couldn’t be simpler with an Aquis Visa card. You’ll have 24/7 control of your account with Online and SMS Account Management. And if you’re new to credit or have had a few credit issues lately, the Aquis Visa card can help you rebuild your credit rating. Representative 29.8% APR (variable). Apply today - and get back on track with an Aquis Visa card. Credit has been provided by Vanquis Bank Limited.
Representative Example: If you borrow £1000 at a purchase rate of 29.84% p.a.(variable), you will pay 29.8% APR Representative (variable).

Aquis | Credit Card

Show Details

Ocean Finance
N/A N/A N/A N/A N/A 34.9%Variable
Introducing the NEW Ocean Credit Card. Get credit from - £200 to £1,500. No annual fees - no hidden charges. Credit booster - may boost your credit rating. Used properly our easy to manage low-limit card could help you improve your credit rating.
Representative Example: If you borrow £1200 at a purchase rate of 34.94% p.a.(variable), you will pay 34.9% APR Representative (variable).

Ocean Finance | Credit Card

Show Details

MoneyExpert Ltd is a Credit Intermediary and receives commission payments for all credit cards referrals made on our website. This does not apply to Tesco Bank, NatWest and Royal Bank of Scotland. The rates displayed in this table are updated on a daily basis.

Credit Cards

Compare and apply for the cheapest credit cards in seconds online with MoneyExpert’s search and comparison service. No obligation and no credit checks make it a resource not to miss when looking after your finances.

We have organised our credit card tables into easy to use categories so that you don’t miss out on the best credit card deals. You can quickly compare the credit cards you are interested in and apply online in minutes.

You’ll find them all here…whether you are after a 0% purchase card or 0% balance transfer deal, rewards and cash back cards, a low standard rate card, low life of balance cards, charity, sports and green cards are all available at MoneyExpert’s free service. There are no credit checks or obligations to apply and the comparison service is free and fast. Compare the best credit cards today.

You can be sure you’ve found the best credit card in minutes using MoneyExpert’s service. Let MoneyExpert save your valuable time – we do all the searching, saving you having to visit all the card providers in search of the best deals. On top of that we have deals that beat the rates or offers you would get if you went to some of the credit card providers direct.

You can compare the best rewards cards to 0% balance transfer deals online with no obligation and no costs involved. What are you waiting for? We have ready and waiting for you, the cheapest credit card offers in the UK to compare today. Compare credit cards now

It is important to choose the right credit card and with over 450 to choose from how do you make that decision? Firstly you need to decide how you will use your card…will you pay the balance in full every month? Maybe a reward, cashback or just a low standard rate are what you are looking for in your credit card. Do you want to move an existing balance and reduce your payments? Could a 0% balance transfer card be the answer or would you prefer a low life of balance card and not have to keep moving to a different balance transfer card?

Whatever your requirements, find the best credit cards first time in our easy to use comparison tables. With our fast, free service you can get the best card for your lifestyle first time. There’s no obligation or credit checks carried out just the best credit card for you. Compare cheap credit cards online today

View our guide to credit cards

Credit Cards News

View full news section

Simply Switch

© MoneyExpert.com 2014

MoneyExpert Limited Registered in England. Registered Number 04765843. Registered Office: MoneyExpert Limited, Craven House, Station Approach, Godalming, Surrey, GU7 1EX. Consumer Credit Licence Number 662105. Data Protection Licence Number Z8204138. MoneyExpert Limited is an appointed representative of MoneyExpert Insurance Services Limited which is authorised and regulated by The Financial Conduct Authority FRN 557120.

Terms & Conditions Privacy Policy Cookies Site Map Complaint Handling