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Low APR Credit Cards from 7.8%
(APR Representative)

In the table below is our selection of our market leading £25 cash back credit cards, alternatively use the tabs below to compare credit cards for more specific purposes including 0% balance transfer , 0% purchases , cash back , rewards , charity and credit building (adverse credit) credit cards.

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Expert Choice Credit Cards
Balance Transfers Purchases
Credit Card Rate Duration Fee Rate Duration Representative APR Apply
Barclaycard
 0.0% 26 Months 3.5% 0.0% 6 Months 18.9%Variable
More Info £25 Cash Back
0% interest on balance transfers for 26 months from account opening (3.5% handling fee applies). 0% interest on purchases for 6 months from account opening too. £10 fee refund offer on balance transfers of £2,000 or more. 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 | Barclaycard Platinum With BT (26 Mths)

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Tesco Bank
 0.0% 25 Months 2.9% 0.0% 3 Months 16.9%Variable
More Info £25 Cash Back
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 16.9% p.a.(variable), you will pay 16.9% APR Representative (variable).

Tesco Bank | Tesco Clubcard Credit Card (Balance Transfer)

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Halifax
 0.0% 25 Months 2.5% 0.0% 3 Months 18.9%Variable
More Info £25 Cash Back
Balance transfer fee refund offer - reduces a 3% balance transfer fee to 2.5%. 0% for up to the first 25 months on balances transferred in the first 90 days (3% fee). 0% for the first 3 months on purchases. Most customers will be offered our best rate of 18.9% APR (variable) and 0% for the first 25 months on balances transferred in the first 90 days (3% fee applies). Other customers will receive 0% for the first 21 or 18 months with a rate of 21.9% APR (variable), or the first 15 months with a rate of 25.9% APR (variable) on balances transferred in the first 90 days (3% fee applies). All customers will get 0% for the first 3 months on purchases. The APR and length of the promotional offer are dependent on your personal circumstances.
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 Card 25/3 (attached to 25/3)

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Barclaycard
 0.0% 25 Months 2.4% 0.0% 6 Months 18.9%Variable
More Info £25 Cash Back
0% interest on balance transfers for 25 months from account opening (2.4% handling fee applies). Your fee is reduced from 3.2% to 2.4% (terms and conditions apply). 0% interest on purchases for 6 months from account opening too.
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 (25 Mths)

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Tesco Bank
 0.0% 9 Months 2.9% 0.0% 16 Months 16.9%Variable
More Info £25 Cash Back
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 16.9% p.a.(variable), you will pay 16.9% APR Representative (variable).

Tesco Bank | Tesco Clubcard Credit Card (Purchase)

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Halifax
 0.0% 15 Months 1.0% 0.0% 15 Months 17.9%Variable
More Info £25 Cash Back
Balance transfer fee refund offer - equivalent 1% balance transfer fee. 0% for up to 15 months on balance transfers (3% fee applies). A long introductory interest free period to help you manage your existing credit. 0% for up to 15 months on purchases. To help spread the cost of any new purchases. The majority of customers will be offered our best rate of 17.9% APR representative (variable) and 0% for 15 months on balance transfers and purchases. Other customers will receive a 0% introductory offer of 13 or 11 months. The APR and length of the promotional offer are dependent on your personal circumstances.
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 MasterCard 15/15

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Barclaycard
 0.0% 9 Months 2.9% N/A N/A 24.8%Variable
More Info £25 Cash Back
Barclaycard High 5 Cashback Card. “Recognises the way you spend rewarding you most on your largest purchases”. 2% cashback on top 5 purchases and 0.5% on everthing else. 6% cashback on top 5 purchases in the first three months. There is an annual account fee of £24 from year two.Terms and conditions apply.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), with an £24 annual fee, you will pay 24.8% APR Representative (variable).

Barclaycard | Barclaycard High 5 Cashback Card

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Sainsburys Bank
 N/A N/A N/A N/A N/A 7.8%Variable
More Info £25 Cash Back
The Sainsbury's Cashback Low Rate Credit Card comes with a fantastic 5% cashback on Sainsbury's shopping for the first 3 months from account opening. Great Benefits. 7.8% APR Representative variable. 5% cashback on Sainsbury's shopping for the first 3 months from account opening (capped at £50 per month). £5 cashback each month when you spend at least £250 per month on Sainsbury's shopping and at least £250 per month elsewhere.
Representative Example: If you borrow £1200 at a purchase rate of 7.8% p.a.(variable), you will pay 7.8% APR Representative (variable).

Sainsburys Bank | Sainsbury's Cashback Low Rate Credit Card

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Nationwide Building Society
 0.0% 20 Months 3.1% 0.0% 3 Months 15.9%Variable
More Info £25 Cash Back
Nationwide Credit Card - 0% on balance transfers for 20 months (3.1% balance transfer fee applies) plus 0% on purchases for 3 months. Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 3.1% (minimum £5.00). 
Representative Example: If you borrow £1200 at a purchase rate of 15.9% p.a.(variable), you will pay 15.9% APR Representative (variable).

Nationwide Building Society | Nationwide Credit Card (Balance Transfer - Online)

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Sainsburys Bank
 0.0% 15 Months 3.0% 0.0% 6 Months 17.9%Variable
More Info £25 Cash Back
The Sainsbury's Cashback Credit Card comes with fantastic introductory offers including 5% cashback on Sainsbury's shopping for the first 3 months from account opening (capped at £50 per month). £5 cashback each month when you spend at least £250 per month on Sainsbury's shopping and at least £250 per month elsewhere. 0% balance transfers for the first 15 months from account opening (3% balance transfer applies). 0% on purchases for the first 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Sainsburys Bank | Sainsbury's Cashback Credit Card

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Post Office Ltd
 0.0% 14 Months 2.98% 0.0% 3 Months 16.9%Variable
More Info £25 Cash Back
Post Office® Credit Card. The credit card for everyday use home and abroad. 16.9% APR Representative (variable). The Post Office Credit Card offers you a range of benefits whether you use it at home or abroad. 16.9% APR Representative (variable).
Representative Example: If you borrow £1200 at a purchase rate of 16.9% p.a.(variable), you will pay 16.9% APR Representative (variable).

Post Office Ltd | Platinum Card

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Barclaycard
 0.0% 14 Months 2.9% 0.0% 14 Months 18.9%Variable
More Info £25 Cash Back
0% interest on purchases and balance transfers for 14 months, both 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 Purchase

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Barclaycard
 0.0% 16 Months 1.5% 0.0% 3 Months 18.9%Variable
More Info £25 Cash Back
0% interest on balance transfers for 16 months from account opening. Plus, refund offer on the balance transfer handling fee, was 1.6%, now 1.5% (terms and conditions apply). 0% interest on purchases for 3 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 Low BT Fee

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Bank of Scotland
 0.0% 18 Months 3.0% 0.0% 3 Months 17.9%Variable
More Info £25 Cash Back
0% for the first 18 months on balances transferred in the first 90 days (3% fee). 0% for the first 3 months on purchases. Manage your card using Internet and Mobile Banking services. 
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 Card (Online)

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Barclaycard
 0.0% 9 Months 2.9% N/A N/A 18.9%Variable
More Info £25 Cash Back
Barclaycard Freedom Rewards “Get more without spending more”. Get 17,500 points (£50 worth of vouchers) if you spend £500 in the first 3 months. You will receive 1 point per £1 every time you use your card in the UK and abroad. 2 points per £1 at any supermarket or petrol station and 3 points per £1 at selective retailers.
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 Freedom Rewards

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Sainsburys Bank
 N/A N/A N/A N/A N/A 7.8%Variable
More Info £25 Cash Back
Our Sainsbury's Nectar 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. 7.8% APR Representative variable. Collect 10 Nectar points per £1 on Sainsbury's shopping for the first 3 months from account opening (capped at £1,000 spend per month). After the first 3 months collect 4 points per £1 on Sainsbury's shopping. One Nectar point for every £5 spent on your card elsewhere.
Representative Example: If you borrow £1200 at a purchase rate of 7.8% p.a.(variable), you will pay 7.8% APR Representative (variable).

Sainsburys Bank | Sainsbury's Nectar Low Rate Credit Card

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Sainsburys Bank
 0.0% 15 Months 3.0% 0.0% 6 Months 17.9%Variable
More Info £25 Cash Back
Our new Sainsbury's Nectar 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% on balance transfers for the first 15 months (3% balance transfer applies). 0% on purchases for the first 6 months. Collect 10 points per £1 spent on Sainsbury's shopping for the first 3 months from account opening (capped at £1,000 spend per month). After the first 3 months collect 4 points per £1 on Sainsbury's shopping. One Nectar point for every £5 spent on your card elsewhere. Points differ on Sainsbury's fuel. 
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Sainsburys Bank | Sainsbury's Nectar Credit Card

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Lloyds TSB
 0.0% 13 Months 3.0% 0.0% 13 Months 17.9%Variable
More Info £25 Cash Back
0% interest for the first 13 months on balances transferred within the first 90 days (3% fee applies). 0% interest for the first 13 months on purchases. 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).

Lloyds TSB | The Lloyds TSB Credit Card

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Bank of Scotland
 0.0% 13 Months 3.0% 0.0% 13 Months 17.9%Variable
More Info £25 Cash Back
Are you looking for 0% on purchases as well as on your balance transfer? Then the Bank of Scotland Platinum Purchase Card could be right for you. 0% for the first 13 months on purchases. 0% for the first 13 months on balances transferred in the first 90 days (3% fee).
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

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Barclaycard
 N/A N/A N/A N/A N/A 7.9%Variable
More Info £25 Cash Back
'Think about this credit card if you have an excellent credit rating, a meaningful alternative to short term 0% purchase product offers'.
Representative Example: If you borrow £1200 at a purchase rate of 7.9% p.a.(variable), you will pay 7.9% APR Representative (variable).

Barclaycard | Barclaycard Platinum Simplicity

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NatWest
 2.9% 12 Months 0.0% 0.0% 6 Months 9.9%Variable
More Info £25 Cash Back
VISA Low Rate Credit Card. 0% interest for 6 months on purchases from account opening. After 6 months the standard annual rate will be 9.95% p.a. (variable).
Representative Example: If you borrow £1200 at a purchase rate of 9.95% p.a.(variable), you will pay 9.9% APR Representative (variable).

NatWest | Visa Low Rate Credit Card

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Royal Bank of Scotland
 2.9% 12 Months 0.0% 0.0% 6 Months 9.9%Variable
More Info £25 Cash Back
Our lowest standard purchase rate of 9.95% p.a. (variable). Pay 0% interest on purchases for 6 months from account opening. And pay 2.9% p.a. on balance transfers for 12 months from account opening (no fee). Thereafter the standard annual rate for balance transfers and purchases will be 9.95% p.a. (variable).
Representative Example: If you borrow £1200 at a purchase rate of 9.95% p.a.(variable), you will pay 9.9% APR Representative (variable).

Royal Bank of Scotland | Visa Low Rate Credit Card

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AA
 0.0% 12 Months 3.0% 0.0% 10 Months 16.9%Variable
More Info £25 Cash Back
Offers 0% on card purchases for 10 months and 0% on balance transfers for 12 months (3% fee). Plus earn reward points every time you spend and double points on fuel. Redeem your points on high street shopping vouchers, cash back or AA products. Example - spend £200 on fuel and £300 on all other purchases a month and earn over £20 cash back in a year or over £80 worth of AA products such as breakdown cover. You must be 21 years old, employed, and earn over £20,000 per year with no recent credit defaults.
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 | AA Rewards Credit Card

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Barclaycard
 N/A N/A N/A 0.0% 3 Months 29.9%Variable
More Info £25 Cash Back
Can help to build your credit rating. Suitable if your financial situation has been improving. Suitable even if you have missed payments or have had CCJs over 12 months ago. Manageable credit limits from £250 - £1000. 0% on purchases for 3 months from opening your account. Receive £10 cashback when you spend a minimum of £200 in the first three months of opening your account.
Representative Example: If you borrow £1200 at a purchase rate of 29.9% p.a.(variable), you will pay 29.9% APR Representative (variable).

Barclaycard | Barclaycard Initial Credit Card

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Barclaycard
 0.0% 12 Months 2.5% N/A N/A 19.9%Variable
More Info £25 Cash Back
A card to strengthen your credit rating with 0% interest on balance transfers for 12 months from opening account. With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), you will pay 19.9% APR Representative (variable).

Barclaycard | Barclaycard Gold Credit Card

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American Express
 N/A N/A N/A N/A N/A 18.7%Variable
More Info £25 Cash Back
Enjoy a generous 5% cashback on virtually everything you buy for 3 months, on up to £2,000 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

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Nectar
N/A N/A N/A N/A N/A 25.0%Variable
More Info £25 Cash Back
10,000 Nectar bonus points welcome offer – worth at least £50 to spend with Nectar partners (when Cardmembers spend £1,000 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 20.0% p.a.(variable), with an £25 annual fee, you will pay 25.0% APR Representative (variable).

Nectar | Nectar Credit Card

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Nationwide Building Society
 N/A N/A N/A 0.0% 6 Months 15.9%Variable
More Info £25 Cash Back
Nationwide Credit Card - 0% on purchases for 6 months. 15.9% APR representative variable.
Representative Example: If you borrow £1200 at a purchase rate of 15.9% p.a.(variable), you will pay 15.9% APR Representative (variable).

Nationwide Building Society | Nationwide Credit Card (Purchases)

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Lloyds TSB
 4.9% 12 Months 3.0% 0.0% 6 Months 11.9%Variable
More Info £25 Cash Back
0% interest on purchases for 6 months. 4.9% p.a. interest for 12 months on balance transfers (3% fee) – if you spend £100 or more in the first 3 months. 11.9% APR representative variable.
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 TSB | Advance MasterCard

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Barclaycard
 N/A N/A N/A 0.0% 3 Months 25.1%Variable
More Info £25 Cash Back
Barclaycard Cashback Business Credit Card. Reward those unavoidable costs you already face every day in your business. Things like office supplies & stationery, legal and accounting services, computer equipment and support. Plus get 0% interest on purchases for 3 months from account opening. 3% cashback on office supplies & stationery, legal & accounting services, computer equipment and support. 1% cashback on fuel at petrol stations – perfect for offsetting spiralling transport costs. 0.5% cashback on any other spend. Get up to £400 a year in cashback. 
Representative Example: If you borrow £1500 at a purchase rate of 19.9% p.a.(variable), with an £32 annual fee, you will pay 25.1% APR Representative (variable).

Barclaycard | Cashback Business Credit Card

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Aquis
 N/A N/A N/A N/A N/A 29.8%Variable
More Info £25 Cash Back
Get back on track with an Aquis Visa Card. 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 will help you get back on track. Representative 29.8% APR (variable). Apply today - and get back on track with an Aquis Visa card.
Representative Example: If you borrow £1200 at a purchase rate of 29.8% p.a.(variable), you will pay 29.8% APR Representative (variable).

Aquis | Aquis Visa Card

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