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Low interest rate credit cards

Lots of credit cards offer zero per cent introductory periods, but if you aren’t interested in a short term deal that runs out, then a low rate credit card could be ideal. These cards typically have a lower interest rate than the average credit card so you may not need to keep switching your credit card to make sure you have the best deal.

Provider Balance transfer intro period & rate Purchases intro period & rate Rewards Representative APR Likelihood of acceptance Actions
Low APR

Natwest Private Black Credit Card

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18 months of 0.0% interest on transfers

2.90% fee

6 months 0% interest on purchases

No rewards

14.9% APR

Representative Example: Representative 14.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 14.94% (variable) annual.

RBS Private Black Credit Card

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18 months of 0.0% interest on transfers

2.90% fee

6 months 0% interest on purchases

No rewards

14.9% APR

Representative Example: Representative 14.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 14.94% (variable) annual.

Co-Operative Clear Visa Card

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12 months of 2.9% interest on transfers

0.00% fee

No 0% intro

No rewards

11.9% APR

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

Asda Money Credit Card

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12 months of 0.0% interest on transfers

2.90% fee

6 months 0% interest on purchases

No rewards

14.9% APR

Representative Example: Representative 14.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 14.9% (variable) annual.

Lloyds Bank Advance

Lloyds Bank Lloyds Bank Advance Logo

12 months of 4.9% interest on transfers

3.00% fee

6 months 0% interest on purchases

No rewards

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% (variable) annual.
Includes Lloyds Bank ClickSafe for extra protection when you're shopping online

TSB Advance MasterCard

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12 months of 4.9% interest on transfers

3.00% fee

6 months 0% interest on purchases

No rewards

11.9% APR

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

Saga Platinum

Saga Saga Platinum Logo

9 months of 0.0% interest on transfers

3.00% fee

9 months 0% interest on purchases

No rewards

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

Co-Operative Think Credit Card

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6 months of 3.9% interest on transfers

0.00% fee

3 months 0% interest on purchases

No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% (variable) annual.

Tesco Clubcard Credit Card with Low APR

Tesco Bank Tesco Clubcard Credit Card with Low APR Logo

3 months of 0.0% interest on transfers

0.00% fee

3 months 0% interest on purchases

Tesco Clubcard points

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)

First Trust Credit Card

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

14.9% APR

Representative Example: Representative 14.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 13.97% (variable) annual.

Co-Operative Clear Visa

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% (variable) annual.

Smile Existing Customer Gold Visa

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% (variable) annual.

Co-Operative Platinum Fixed Rate

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

9.9% APR

Representative Example: Representative 9.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 9.9% (variable) annual.

Friends of the Earth Flat Rate Credit Card

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% (variable) annual.

Oxfam Flat Rate Credit Card

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% (variable) annual.

RSPB Fixed Rate Platinum Card

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

11.9% APR

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 on transfers

N/A fee

No 0% intro

No rewards

11.9% APR

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

Woodland Trust Flate Rate Card

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% (variable) annual.

First Trust Student Card

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% (variable) annual.

Halifax Clarity Credit Card

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.95% (variable) annual.

Metro Bank Personal Credit Card

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

13.0% APR

Representative Example: Representative 13% APR variable. Based on assumed borrowing of £1,200. Rate of interest 13% (variable) annual.

MBNA More Rewards Credit Card

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.9% (variable) annual.

MBNA More Rewards Credit Card

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.9% (variable) annual.

Sainsbury's Nectar Low Rate

Sainsbury's Bank Sainsbury's Nectar Low Rate Logo

No 0% intro on transfers

N/A fee

No 0% intro

Nectar points

6.9% APR

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Representative Example: Representative 6.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 6.95% (variable) annual.
One low rate on transfers & purchases, plus earn Nectar points

NatWest Clear Rate Platinum Credit Card

'tWest NatWest Clear Rate Platinum Credit Card Logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

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

RBS Clear Rate Platinum Credit Card

Royal Bank of Scotland RBS Clear Rate Platinum Credit Card Logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

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
 

Your guide to credit cards

  • What should I consider when choosing a low rate card?
  • What is a low rate credit card?
  • What are the advantages of using low-rate credit cards?

Credit cards terms

  • Annual fee
  • Representative APR