Low APR
Credit Cards

If you want to find a credit card with the lowest APR possible, compare with Money Expert.

Compare The Best Low Rate Credit Cards.

Halifax

Representative APR
6.4% APR
Representative
variable

Introductory Balance Transfer Duration
3 Months
0% Balance Transfer

Purchases
0 Months
0% interest on
Purchases

See Deal

Representative example: When you spend £1,200 at a rate of 6.4% (variable per annum), your Representative APR is 6.4% APR (variable)

AA

Representative APR
6.5% APR
Representative
variable

Introductory Balance Transfer Duration
3 Months
0% Balance Transfer

Purchases
0 Months
0% interest on
Purchases

See Deal

5.85% p.a. (variable) interest on purchases and balance transfers. No fee to make balance transfers. No annual fee. AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.

Representative example: When you spend £1,200 at a rate of 6.5% (variable per annum), your Representative APR is 6.5% APR (variable)

Barclaycard

Representative APR
6.9% APR
Representative
variable

Introductory Balance Transfer Duration
2 Months
0% Balance Transfer

Purchases
0 Months
0% interest on
Purchases

See Deal

Barclaycard's low rate Platinum card. 6.9% interest on all purchases and balance transfers. No annual fee. APR and offer terms may vary with individual circumstances, subject to status.

Representative example: When you spend £1,200 at a rate of 6.9% (variable per annum), your Representative APR is 6.9% APR (variable)

TSB

Representative APR
7.9% APR
Representative
variable

Introductory Balance Transfer Duration
3 Months
0% Balance Transfer

Purchases
3 Months
0% interest on
Purchases

See Deal

0% interest on purchases for the first 3 months. 0% p.a. interest for the first 3 months on balance transfers within the first 90 days (0.00% fee applies). 3% balance transfer fee applies after 90 days. Interest will be charged from day of transaction. Subject to status and Lending Criteria. 1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 June 2018 (terms and conditions apply).

Representative example: When you spend £1,200 at a rate of 7.9% (variable per annum), your Representative APR is 7.9% APR (variable)

American Express

Representative APR
9.9% APR
Representative
variable

Introductory Balance Transfer Duration
0 Months
0% Balance Transfer

Purchases
0 Months
0% interest on
Purchases

See Deal

Representative example: When you spend £1,200 at a rate of 9.9% (variable per annum), your Representative APR is 9.9% APR (variable)

Ulster Bank

Representative APR
11.1% APR
Representative
variable

Introductory Balance Transfer Duration
0 Months
0% Balance Transfer

Purchases
0 Months
0% interest on
Purchases

See Deal

Representative example: When you spend £1,200 at a rate of 11.1% (variable per annum), your Representative APR is 11.1% APR (variable)

Royal Bank of Scotland

Representative APR
11.1% APR
Representative
variable

Introductory Balance Transfer Duration
0 Months
0% Balance Transfer

Purchases
0 Months
0% interest on
Purchases

See Deal

No need to worry about teaser rates that jump up and sting you when the 0% offer ends. One simple low rate of 6.9% p.a. (variable) on purchases and balance transfers. No balance transfer fees - just one £24 annual fee.

Representative example: When you spend £1,200 at a rate of 11.1% (variable per annum), your Representative APR is 11.1% APR (variable)

NatWest

Representative APR
11.1% APR
Representative
variable

Introductory Balance Transfer Duration
0 Months
0% Balance Transfer

Purchases
0 Months
0% interest on
Purchases

See Deal

No need to worry about teaser rates that jump up and sting you when the 0% offer ends. One simple low rate of 6.9% p.a. (variable) on purchases and balance transfers. No balance transfer fees - just one £24 annual fee.

Representative example: When you spend £1,200 at a rate of 11.1% (variable per annum), your Representative APR is 11.1% APR (variable)

Creation Financial Services

Representative APR
12.9% APR
Representative
variable

Introductory Balance Transfer Duration
0 Months
0% Balance Transfer

Purchases
0 Months
0% interest on
Purchases

See Deal

Representative example: When you spend £1,200 at a rate of 12.9% (variable per annum), your Representative APR is 12.9% APR (variable)

Coutts & Co.

Representative APR
14.7% APR
Representative
variable

Introductory Balance Transfer Duration
0 Months
0% Balance Transfer

Purchases
0 Months
0% interest on
Purchases

See Deal

Representative example: When you spend £1,200 at a rate of 14.7% (variable per annum), your Representative APR is 14.7% APR (variable)

Low Interest Rate Credit Cards

About Low Interest Credit Cards

Low interest credit cards, also known as low APR (annual percentage rate) credit cards offer you the ability to borrow money over a long period while offering you low interest payments. This low interest rate is guaranteed for the time you own the card and therefore you can be safe in the knowledge that you will always be paying low interest payments for the duration of the time you are paying off your debt. Low interest credit cards don’t come with introductory bonuses or perks because of the massive advantage they offer of allowing you to continually pay low interest on your credit payments.

Can Anyone Get a Low Interest Credit Card

In order for your application to be accepted for a low APR credit card you will almost certainly need an excellent credit rating. This is because lenders adjust the interest rate that they offer their customers according to how much risk they calculate to be associated with lending to them. You can order your credit report in order to see how good your credit history will appear to potential lenders; this can be done by contacting the credit reference agency.

Things to Consider When Selecting a Low APR Card

Although the advantage of using a card that has a low interest rate is clear, you should also consider the advantages that you may be missing out on from other credit card types which might be more beneficial to your individual situation. If you don’t plan on having the card for very long then you may well benefit more by having a card which has 0% interest for the first 12 months. This way even if you do not clear the credit which you owe at the end of each month, you still pay no credit at all for the first 12 months. If you’re looking to use your card on a regular basis for shopping, you may be better off using a purchase credit card which will allow you to make new purchases without paying interest on those purchases.

Is a Paying Your Credit card Bill

In order to avoid those interest fees, it’s best to plan out how you’re going to be covering your credit card bill at the end of each month. You can pay your credit card bill a number of ways, either by cheque, by online banking, by going into the bank in person, or by setting up a direct debt. Which method of payment you choose will depend on which is most convenient for you; although it is advisable that you arrange a direct debit to pay to cover your credit card payments. This way you will always have peace of mind that you will never forget to cover your credit card bill, and this will ensure that you do not pay any interest of your purchases unnecessarily.

Using Your Card Abroad

Most credit cards can be used abroad in the same way they are used in the UK. While travelling abroad you will be able to use your card to pay your restaurant bill, to arrange your hotel booking, to purchase things in shops, and to even withdraw cash from foreign cash machines. Be aware however that you may need to pay additional charges for the purchases and withdrawals you make abroad for converting currencies. These charges are known as "foreign usage loading", and this is how these charges will appear on your credit card statement. If you withdraw cash you may also pay a cash-handling fee on top of the foreign usage loading. If you plan on travelling then you should contact your credit card provider to find out how much you will be charged every time you use your card abroad. You may want to shop around for the best travel credit card available.

Consumer Credit Act

Another advantage of using your credit card to pay for things both abroad and within the UK is that you will be protected under the Consumer Credit Act. Whenever you pay for something on your credit that costs between £100 and £30,000 both the retailer and the credit card provider are responsible for the standard of good and services that you have paid for. Therefore if the goods you purchase do not meet the necessary standards then you can ask to be refunded by your credit card company.