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Low APR Credit Cards from 6.9%
(APR Representative)

In the table below is our selection of the best credit cards available, alternatively use the buttons below to compare credit cards for more specific purposes including 0% balance transfer , 0% purchases , cashback , rewards , charity and credit building (adverse credit) credit cards.

For more information on credit cards please view our FAQ's.

Our Experts Choice...

Barclaycard Platinum

0% interest on balance transfers for 22 months from
account opening.

  • 0% interest on purchases for 3 months from
    account opening.
  • £30 fee refund when you transfer a balance of
    £2,500 or more (equivalent to 1.7% BT fee)
  • 17.9% APR Representative Variable.

 
 Representative APR Balance Transfers Purchases  
Barclaycard
Barclaycard Platinum With BT (22 Mths)
17.9 % APR
Representative Variable 		0.00% 22 months 2.90 % fee 0.00% 3 months Credit Cards
0% interest on balance transfers for 22 months from account opening (2.9% handling fee applies). Plus 0% interest on purchases for 3 months from account opening. £30 fee refund when you transfer a balance of £2,500 or more (equivalent to 1.7% Balance Transfer fee).
Representative Example: If you borrow £1,200 at a rate of 17.9 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Virgin Money
Virgin Balance Transfer Credit Card
16.8 % APR
Representative Variable 		0.00% 20 months 2.99 % fee 0.00% 3 months Credit Cards
Click here and apply now for the Virgin Money Credit Card and get tons of great discounts including 5% off Virgin Holidays, plus no credit card fee (usually 2.5%). 10% off Virgin Wines, 10% off VIE at home, 20% off Virgin Experiences and Half Price Balloon Flights! Other benefits include 1 month free at Virgin Active, contactless payment, and much more! You can also manage your account 24/7 either online or by phone, do your bit for the environment with paperless statements and ensure that your most expensive debt is paid off first with Virgin Moneys’ positive payment hierarchy!
Representative Example: If you borrow £1,200 at a rate of 16.8 % p.a. (variable), you will pay 16.8 % APR Representative (variable).
Halifax
Balance Transfer Card
17.9 % APR
Representative Variable 		0.00% 22 months 3.50 % fee 0.00% 3 months Credit Cards
0% for 22 months on balance transfers (3.5% fee applies). 0% for the first 3 months on purchases. You must have an annual income of £20,000 or more to apply.
Representative Example: If you borrow £1,200 at a rate of 17.95 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Barclaycard
Barclaycard Platinum With BT (21 Mths)
17.9 % APR
Representative Variable 		0.00% 21 months 2.60 % fee 0.00% 3 months Credit Cards
0% interest free on balance transfers for 21 months (2.9% handling fee applies) and 0% interest on purchases for 3 months, both from account opening. Plus, refund offer which reduces handling fee to equivalent of 2.6% for everyone (terms and conditions apply). For a limited time only.
Representative Example: If you borrow £1,200 at a rate of 17.9 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
NatWest
Platinum Card (Online)
17.9 % APR
Representative Variable 		0.00% 20 months 2.90 % fee 0.00% 6 months Credit Cards
Transfer your existing balances and pay 0% for 20 months (3.2% fee applies). Plus you could pay 0% on your purchases for 6 months from account opening.
Representative Example: If you borrow £1,200 at a rate of 17.95 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
MBNA Europe
MBNA Credit Card
16.9 % APR
Representative Variable 		0.00% 20 months 2.99 % fee 0.00% 3 months Credit Cards
0% on balance transfers for 20 months from the date your account is opened (2.99% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening. 0% on card purchases for 3 months from the date your account is opened.
Representative Example: If you borrow £1,200 at a rate of 16.9 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Nationwide Building Society
Nationwide Credit Card (Balance Transfer)
15.9 % APR
Representative Variable 		0.00% 20 months 3.10 % fee 0.00% 3 months Credit Cards
Nationwide Credit Card - 0% on balance transfers for 20 months plus 0% on purchases for 3 months. 15.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 15.9 % p.a. (variable), you will pay 15.9 % APR Representative (variable).
Capital One
Aspire World
19.9 % APR
Representative Variable 		19.94%   19.94% Credit Cards
Capital One Aspire® World. Whether you're buying essentials or indulging yourself, earn cashback everytime you shop - with no annual fee. 5% cashback for the first three months (max £100). Up to 1.25% cashback thereafter. Manage your account online. Capital One Identity Alert. Purchase protection insurance.
Representative Example: If you borrow £1,200 at a rate of 19.94 % p.a. (variable), you will pay 19.9 % APR Representative (variable).
Halifax
Balance Transfer Card 20/3
16.9 % APR
Representative Variable 		0.00% 20 months 3.00 % fee 0.00% 3 months Credit Cards
0% for 20 months on balance transfers (3% fee applies). 0% for the first 3 months on all purchases. You must have an annual income of £20,000 or more to apply.
Representative Example: If you borrow £1,200 at a rate of 16.94 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Royal Bank of Scotland
Platinum Card (Online)
17.9 % APR
Representative Variable 		0.00% 20 months 2.90 % fee 0.00% 6 months Credit Cards
Transfer your existing balances and pay 0% for 20 months (3.2% fee applies). Plus you could pay 0% on your purchases for 6 months from account opening.
Representative Example: If you borrow £1,200 at a rate of 17.95 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Post Office Ltd
Platinum Card
16.9 % APR
Representative Variable 		0.00% 14 months 2.98 % fee 0.00% 3 months Credit Cards
Get 0% on balance transfers for the first 14 months with the Post Office® Credit Card. Plus 0% on purchases for the first 3 months and 0% commission on purchases abroad. 16.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 16.9 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Virgin Money
Virgin All Round Credit Card
15.8 % APR
Representative Variable 		0.00% 16 months 1.99 % fee 0.00% 6 months Credit Cards
Offers 0% on balance transfers and money transfers for 16 months. Great value balance transfer fee of just 1.99%. 0% on card purchases for 6 months. Rate and handling fee of 1.99% applies to balance transfers made in the first 60 days. Rate and handling fee of 4% applies to money transfers made in the first 60 days.
Representative Example: If you borrow £1,200 at a rate of 15.8 % p.a. (variable), you will pay 15.8 % APR Representative (variable).
Barclaycard
Barclaycard Platinum Purchase
18.9 % APR
Representative Variable 		0.00% 15 months 2.90 % fee 0.00% 15 months Credit Cards
0% interest on purchases and balance transfers for 15 months (2.9% handling fee applies), both from account opening.
Representative Example: If you borrow £1,200 at a rate of 18.9 % p.a. (variable), you will pay 18.9 % APR Representative (variable).
Halifax
All in One Card MasterCard
17.9 % APR
Representative Variable 		0.00% 15 months 3.00 % fee 0.00% 15 months Credit Cards
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.
Representative Example: If you borrow £1,200 at a rate of 17.95 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Capital One
Classic Visa Card
34.9 % APR
Representative Variable 		34.94% 3.00 % fee 34.94% Credit Cards
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 £1,200 at a rate of 34.94 % p.a. (variable), you will pay 34.9 % APR Representative (variable).
Capital One
Classic Extra
34.9 % APR
Representative Variable 		34.94%   34.94% Credit Cards
Great for people who want to build or rebuild their credit rating. Offers 0.5% Cashback on all purchases and £5 Introductory Welcome Bonus. Credit limit from £200 to £1,500.
Representative Example: If you borrow £1,200 at a rate of 34.94 % p.a. (variable), you will pay 34.9 % APR Representative (variable).
Santander
Santander 123 Credit Card
22.8 % APR
Representative Variable 		18.90%   18.90% Credit Cards
The Santander 123 Credit Card rewards you with cash back on your everyday spending. You get 1% at supermarkets, 2% at your favourite department stores and 3% at petrol stations (on petrol spend up to £300 per month). So just by putting your everyday spend onto the card, you’ll soon see the cash back build. It’s also the only credit card that pays your cashback monthly. Benefit from cashback on the things you buy everyday.You must be 18 years old, earn a minimum income of £7,500 per year, have lived at a permanent UK address for 3 years or longer and have no recent CCJs.
Representative Example: If you borrow £1,200 at a rate of 18.9 % p.a. (variable) with a £24 annual fee, you will pay 22.8 % APR Representative (variable).
Bank of Scotland
Plus Credit Card
16.9 % APR
Representative Variable 		0.00% 18 months 3.00 % fee 0.00% 3 months Credit Cards
0% for the first 18 months for balance transfers (with a 3% fee). 0% for the first 3 months on new purchases. 16.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 16.94 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Halifax
Balance Transfer Card 17/3
16.9 % APR
Representative Variable 		0.00% 17 months 3.00 % fee 0.00% 3 months Credit Cards
0% for 17 months on balance transfers (3% fee applies). 0% for the first 3 months on all purchases.
Representative Example: If you borrow £1,200 at a rate of 16.94 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Virgin Money
Virgin Purchase Credit Card
18.9 % APR
Representative Variable 		0.00% 13 months 2.89 % fee 0.00% 13 months Credit Cards
0% on balance transfers for 13 months. Rate applies to transfers made in the first 60 days. Handling fee of 2.89% fee applies. 0% on card purchases for 13 months. Representative 18.9% APR variable.
Representative Example: If you borrow £1,200 at a rate of 18.9 % p.a. (variable), you will pay 18.9 % APR Representative (variable).
Creation Financial Services
Creation Purchase Card
17.9 % APR
Representative Variable 		0.00% 9 months 2.90 % fee 0.00% 13 months Credit Cards
0% for 13 months on all your card Purchases from account opening. 0% for 9 months on Balance Transfers (with a 2.9% handling fee), for balances transferred within 60 days of account opening. A great rate of Representative 17.9% APR variable.
Representative Example: If you borrow £1,200 at a rate of 18.0 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
NatWest
YourPoints World MasterCard
17.9 % APR
Representative Variable 		0.00% 13 months 2.90 % fee 0.00% 13 months Credit Cards
0% on purchases and balance transfers for 13 months from account opening (2.9% fee, min £5 on any balances you transfer within 3 months of opening your account). 2,500 bonus NatWest YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon. 1 point = £1 spent.
Representative Example: If you borrow £1,200 at a rate of 17.9 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Royal Bank of Scotland
YourPoints World MasterCard
17.9 % APR
Representative Variable 		0.00% 13 months 2.90 % fee 0.00% 13 months Credit Cards
0% on purchases for 13 months from account opening. 0% on balance transfers for 13 months from account opening (2.9% fee, min £5) on any balances you transfer within three months of opening your account. 2,500 bonus RBS YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon. £1 spent = 1 point.
Representative Example: If you borrow £1,200 at a rate of 17.9 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Barclaycard
Barclaycard Platinum Low BT Fee
18.9 % APR
Representative Variable 		0.00% 17 months 1.60 % fee 0.00% 3 months Credit Cards
0% interest on balance transfers for 17 months from account opening (2.1% handling fee applies). Plus, refund offer which reduces handling fee to equivalent of 1.6% for everyone. 0% interest on purchases for 3 months from account opening.
Representative Example: If you borrow £1,200 at a rate of 18.9 % p.a. (variable), you will pay 18.9 % APR Representative (variable).
Sainsburys Finance
Sainsbury's Nectar Credit Card
16.9 % APR
Representative Variable 		0.00% 15 months 3.00 % fee 0.00% 6 months Credit Cards
You must have a Nectar Card in order to apply for this Credit Card. 0% on balance transfers for the first 15 months (3% balance transfer applies). 0% on all purchases for the first 6 months. When you pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card you could earn up to 4 Nectar points for every £1* you spend in Sainsbury's stores and online for the first two years. One Nectar point for every £5 spent on your card elsewhere.
Representative Example: If you borrow £1,200 at a rate of 16.9 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Barclaycard
Barclaycard Platinum Simplicity
7.9 % APR
Representative Variable 		7.90%   7.90% Credit Cards
'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 £1,200 at a rate of 7.9 % p.a. (variable), you will pay 7.9 % APR Representative (variable).
Capital One
One Rate
9.9 % APR
Representative Variable 		9.94%   9.94% Credit Cards
Simply one low rate of 9.9% p.a. variable on Purchases, Balance transfers & Cash withdrawals. And, no balance transfer fee.
Representative Example: If you borrow £1,200 at a rate of 9.94 % p.a. (variable), you will pay 9.9 % APR Representative (variable).
AA
AA Rewards Credit Card
16.9 % APR
Representative Variable 		0.00% 12 months 3.00 % fee 0.00% 10 months Credit Cards
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 £1,200 at a rate of 16.9 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Lloyds TSB
Platinum MasterCard (Online only)
17.9 % APR
Representative Variable 		0.00% 15 months 3.00 % fee 0.00% 3 months Credit Cards
Offers 0% interest on balance transfers for 15 months (3% fee). Minimum spend of £100 in the first 3 months applies, interest will be charged to the fee. Also offers 0% interest on purchases for 3 months. 17.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 17.9 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Sainsburys Finance
Sainsbury's Low Rate Credit Card
6.9 % APR
Representative Variable 		6.90%   6.90% Credit Cards
You must have a Nectar Card in order to apply for this Credit Card. Nectar points are NOT earned using this Credit Card. Sometimes, you just want to keep things simple. So here it is. A low rate credit card that offers a market-leading rate of 6.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 6.9 % p.a. (variable), you will pay 6.9 % APR Representative (variable).
Sainsburys Finance
Sainsbury’s Gold Credit Card
20.1 % APR
Representative Variable 		9.90%   9.90% Credit Cards
The Sainsbury’s Gold Credit Card is packed full of benefits whether you're at home or abroad. With a unique range of benefits, including no cash withdrawal or foreign exchange fees, we’ve wrapped up great value and rewards in a Credit Card that likes to travel as much as you do. All this for just £5 a month. 20.1% APR representative, includes monthly fee.
Representative Example: If you borrow £1,200 at a rate of 9.9 % p.a. (variable) with a £60 annual fee, you will pay 20.1 % APR Representative (variable).
Bank of Scotland
All in One Card
17.9 % APR
Representative Variable 		0.00% 12 months 3.00 % fee 0.00% 12 months Credit Cards
The Bank of Scotland Credit Card. 0% for 12 months on purchases and balances transferred now (3% fee). 15.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 17.95 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Sainsburys Finance
Sainsbury's Credit Card (Nectar Card Holders Only)
16.9 % APR
Representative Variable 		0.00% 12 months 3.00 % fee 0.00% 12 months Credit Cards
You must have a Nectar Card in order to apply for this Credit Card. Nectar points are NOT earned using this Credit Card. With a Sainsburys Credit Card, Sainsburys shoppers with a Nectar card can enjoy 0% for 12 months on all shopping and balance transfers (3% BT fee applies. 16.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 16.9 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Play.com
Credit Card
16.9 % APR
Representative Variable 		0.00% 6 months 1.50 % fee 0.00% 9 months Credit Cards
Enjoy the benefits of the Play.com Credit Card - earn Play Points and redeem for Play.com gift vouchers which you can use against over 8 million products on the Play.com website. Earn 2 Play Points for every £1 you spend at Play.com and 1 Play Point for every £1 you spend elsewhere. Receive 1,500 bonus Play Points if you spend £150 on your card within 90 days of your account opening - you can redeem these Points for a £15 Voucher! Terms & Conditions apply. You must be 23 years old, employed, and earn over £20,000 per year with no recent credit defaults.
Representative Example: If you borrow £1,200 at a rate of 16.9 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Barclaycard
Barclaycard Gold Credit Card
19.9 % APR
Representative Variable 		0.00% 12 months 2.50 % fee 19.90% Credit Cards
A card to strengthen your credit rating with 0% interest on balance transfers for 12 months from opening account (2.5% handling fee applies). With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under.
Representative Example: If you borrow £1,200 at a rate of 19.9 % p.a. (variable), you will pay 19.9 % APR Representative (variable).
American Express
Platinum Cashback Credit Card
18.5 % APR
Representative Variable 		14.00%   14.00% Credit Cards
The Platinum Cashback Credit Card is the UK’s most cashback Card. Enjoy a generous 5% cashback on virtually everything you buy for 3 months, on up to £2,000 in purchases. The only hard part is choosing what you’re going to turn all that cashback into. 5% cashback during your first three months on up to £2,000 in purchases. 1.25% cashback on virtually everything you buy – not just for a limited period. 2.5% cashback in the first month of every year.
Representative Example: If you borrow £1,200 at a rate of 14.0 % p.a. (variable) with a £25 annual fee, you will pay 18.5 % APR Representative (variable).
Nationwide Building Society
Nationwide Credit Card (Purchases)
15.9 % APR
Representative Variable 		10.00% 3.10 % fee 0.00% 6 months Credit Cards
Nationwide Credit Card - 0% on purchases for 6 months. 15.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 15.9 % p.a. (variable), you will pay 15.9 % APR Representative (variable).
Lloyds TSB
Advance MasterCard
11.9 % APR
Representative Variable 		4.90% 12 months 3.00 % fee 0.00% 6 months Credit Cards
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 £1,200 at a rate of 11.9 % p.a. (variable), you will pay 11.9 % APR Representative (variable).
Capital One
Aspire Elite
17.9 % APR
Representative Variable 		17.69%   17.69% Credit Cards
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 £1,200 at a rate of 17.69 % p.a. (variable) with a £120 annual fee, you will pay 17.9 % APR Representative (variable).
Barclaycard
Cashback Business Credit Card
24.9 % APR
Representative Variable 		0.00%   0.00% 3 months Credit Cards
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 £1,200 at a rate of 19.9 % p.a. (variable) with a £32 annual fee, you will pay 24.9 % APR Representative (variable).

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