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Low interest rate credit cards

If you aren’t interested in a credit card that offers introductory rates that run out, then a low standard rate card could be ideal for you. They tend to have lower rates than the average credit card, so if you don’t want to keep switching your card when the offer runs out then it’s worth considering a low rate APR card.

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Sainsbury's Nectar Low Rate
0 months
6.9% interest
0.00% 0 months
6.9% interest

Nectar points

6.9%
APR
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Card info Card rating

One low rate on transfers & purchases, plus earn Nectar points

Representative example: If you spend £1,200 at an annual interest rate of 6.95% (variable) your Representative APR will be 6.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

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  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Tesco Clubcard Credit Card with Low APR
3 months
0.0% interest
0.00% 3 months
0.0% interest

Clubcard points

7.8%
APR
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Card info Card rating

Earn 1 point for every £4 spend in each purchase transaction (£4 min)

Representative example: If you spend £1,200 at a purchase rate of 7.8% (variable) your Representative APR will be 7.8% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Saga Platinum
9 months
0.0% interest
3.00% 9 months
0.0% interest

no rewards

11.9%
APR
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Card info Card rating

Available to customers over 50. No fee when spending abroad

Representative example: If you spend £1,200 at an annual interest rate of 11.3% (variable) your Representative APR will be 11.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

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  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Lloyds Bank Advance
12 months
4.9% interest
3.00% 6 months
0.0% interest

no rewards

12.0%
APR
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Card info Card rating

Includes Lloyds Bank ClickSafe, for extra protection when you're shopping online

Representative example: If you spend £1,200 at an annual interest rate of 11.95% (variable) your Representative APR will be 11.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
MBNA Everyday Credit Card
18 months
0.0% interest
1.50% 8 months
0.0% interest

no rewards

13.9%
APR
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Card info Card rating

A credit card designed for all your everyday spending

Representative example: If you spend £1,200 at a purchase rate of 13.9% (variable) your Representative APR will be 13.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Nationwide Select
26 months
0.0% interest
2.40% 15 months
0.0% interest

Uncapped cashback

15.9%
APR
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Card info Card rating

Available to new & existing Flex account holders. Plus, 0.5% unlimited cashback.

Representative example: If you spend £1,200 at a purchase rate of 15.9% (variable) your Representative APR will be 15.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 5 stars
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Nationwide
26 months
0.0% interest
2.40% 3 months
0.0% interest

no rewards

17.9%
APR
Apply
Card info Card rating

Join the 'Rewards for Abroad' scheme to earn your commission-free allowance

Representative example: If you spend £1,200 at a purchase rate of 17.9% (variable) your Representative APR will be 17.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details

Got a question about Low APR cards?

  • Why should I get a Low APR card?
    Answer: Low APR cards are simply cards that have a low APR as standard and not just for an introductory period.

    If you are looking to use your card over a long period of time for purchases then a card with a low standard rate could be for you.
  • What is the best APR rate I can get?
    Answer: The APR you'll be offered following your application will vary depending on the card you apply for and your credit rating.

Low APR credit cards: help, tips & providers

About low rate credit cards

What is a low rate credit card?

A low rate APR card is exactly that, a card that offers a low standard rate across all spending. Other credit cards tend to specialise in one area, such as offering introductory rates for purchases or balance transfers, whereas low rate credit cards offer a flat rate across all spending and don’t offer introductory rates. Credit cards with purchase rates under 16% representative APR are generally considered low rate cards.

What should I consider when choosing a low rate card?

As the cards don’t have introductory zero percent periods, if you don’t pay your balance in full each month you will be charged interest, so it’s worth thinking about how you’ll use the card before you choose which card is right for you. Low rate cards can often have a low balance transfer fee so in some circumstances it may be worth using our balance transfer calculator to work out which card will save you the most money. They can also be used as an alternative to a personal loan, as the representative APRs can be similar across both products.

Can everyone get a credit card with a low rate APR?

Cards with lower APRs are typically aimed at customers with good credit ratings. As your credit rating will have an impact on the representative APR you are offered it’s worth considering your credit rating before you apply. You can use our free Card Matcher tool to check the likelihood of being accepted for a card before you apply.

You can also check your credit rating for free to find out what you can do to make sure you get the credit you want.

Which providers offer this type of card?

Several credit card providers offer cards with low standard rate APRs, but the most common are Sainsbury’s, Barclaycard and Capital One.