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Low interest rate credit cards

Fed up of high interest rates? Credit cards offering 0% deals on purchases and balance transfers are great until the introductory period runs out. This is where a low interest rate card can help. Cards with a representative APR of under 15% are generally considered low rate, but some can be as low as 6.4% APR variable for the life of the card (remember credit card rates are often variable so this rate can change).


A low rate card can be a great long-term choice, as you not only enjoy the benefit of a low interest rate for as long as you keep the card but you can also avoid having to pay over the odds if you can’t always pay your balance in full.

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Provider Purchases intro period & rate
Representative APR
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Low APR

Bank of Scotland Low Rate

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No 0% intro

6.4% APR

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Representative Example: Representative 6.4% APR variable. Based on assumed borrowing of £1,200. Rate of interest 6.45% (variable) annual.

Lloyds Bank Platinum Low Rate

Lloyds Bank Lloyds Bank Platinum Low Rate Image

No 0% intro

6.4% APR

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Representative Example: Representative 6.4% APR variable. Based on assumed borrowing of £1200. Rate of interest 6.45% (variable) annual.
Transfer your balance in the first 90 days and benefit from an introductory 0% transfer fee

Bank of Scotland Low Rate

Bank of Scotland Low Rate Image

No 0% intro

6.4% APR

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Representative Example: Representative 6.4% APR variable. Based on assumed borrowing of £1,200. Rate of interest 6.45% (variable) annual.
Low rate of interest on purchases & transfers, offer exclusively available online

Halifax Low Rate Credit Card

Halifax Halifax Low Rate Credit Card Image

No 0% intro

6.4% APR

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Representative Example: Representative 6.4% APR variable. Based on assumed borrowing of £1,200. Rate of interest 6.45% (variable) annual.
Benefit from a low rate of interest on balance transfers & purchases, plus 0% balance transfer fee

MBNA Low Rate Credit Card

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No 0% intro

6.6% APR

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Representative Example: Representative 6.6% APR variable. Based on assumed borrowing of £1200. Rate of interest 6.6% (variable) annual.

Tesco Clubcard Credit Card with Low APR

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3 months 0% interest on purchases

7.8% APR

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Representative Example: Representative 7.8% APR variable. Based on assumed borrowing of £1,200. Rate of interest 7.84% (variable) annual.
Earn 1 point for every £4 spend in each purchase transaction (£4 min)

Virgin Money Low Rate

Virgin Money Virgin Money Low Rate Image

No 0% intro

7.9% APR

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Representative Example: Representative 7.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 7.9% (variable) annual.
7.67% p.a on balance and money transfers for the life of the balance, plus no handling fees. Applies to transfers made within the first 60 days

Sainsbury's Nectar Low Rate

Sainsbury's Bank Sainsbury's Nectar Low Rate Image

No 0% intro

9.9% APR

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Representative Example: Representative 9.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 9.93% (variable) annual.
One low rate on transfers & purchases, plus earn Nectar points as you spend

NatWest Clear Rate Platinum Credit Card

'tWest NatWest Clear Rate Platinum Credit Card Image

No 0% intro

11.1% APR

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Representative Example: Representative 11.1% APR variable. Based on £24 annual fee, assumed borrowing of £1,200. Rate of interest 6.9% (variable) annual.
One simple low rate on purchases and balance transfers, plus 1% bonus taken off balance transfers

RBS Clear Rate Platinum Credit Card

Royal Bank of Scotland RBS Clear Rate Platinum Credit Card Image

No 0% intro

11.1% APR

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Representative Example: Representative 11.1% APR variable. Based on £24 annual fee assumed borrowing of £1200. Rate of interest 6.9% (variable) annual.
One simple low rate on purchases and balance transfers

Saga Platinum

Saga Saga Platinum Image

9 months 0% interest on purchases

11.9% APR

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Representative Example: Representative 11.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 11.3% (variable) annual.
Available to customers over 50. No fee when spending abroad, plus a low APR of 11.9%

HSBC Premier

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9 months 0% interest on purchases

11.9% APR

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Representative Example: Representative 11.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 11.9% (variable) annual.

Save the Children Fixed Rate Platinum Card

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No 0% intro

11.9% APR

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Representative Example: Representative 11.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 11.9% (variable) annual.

TSB Advance MasterCard

TSB TSB Advance MasterCard Image

6 months 0% interest on purchases

11.9% APR

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Representative Example: Representative 11.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 11.95% PA (variable) annual.

Amnesty International Fixed Rate Platinum

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No 0% intro

11.9% APR

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Representative Example: Representative 11.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 11.9% (variable) annual. Postal address: Delt House, Southway, Skelmersdale, Lancs, WN8 6NY

Barclaycard's low rate Platinum card

Barclaycard Barclaycard's low rate Platinum card Image

No 0% intro

11.9% APR

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Representative Example: Representative 11.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 11.9% (variable) annual.
Benefit from a low rate of interest of 11.9% on all purchases and balance transfers

Inspop.com Limited, trading as Confused.com, is a credit broker for the consumer credit products listed on our credit card pages. Confused.com provides an independent comparison service free of charge; however, we may receive a commission from some of the companies we refer you to.

 

Your guide to credit cards

  • What are the advantages of using low-rate credit cards?
  • Who offers low APR cards?
  • Things to consider

Credit cards terms

  • Purchase introductory rate
  • Minimum payment
  • Representative APR