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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 Purchases intro period & rate
Representative APR
Likelihood of acceptance
Actions
Low APR

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. Postal address: Card Services, PO BOX 33, Brighton, BN1 4BE
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, offer available exclusively online

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

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%

RSPB Fixed Rate Platinum Card

placeholder card image

No 0% intro

11.9% APR

Card Matcher is not available for this card
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

placeholder card image

No 0% intro

11.9% APR

Card Matcher is not available for this card
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.

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 £1200. Rate of interest 11.9% (variable) annual.
Benefit from low interest of 11.9% on all purchases and balance transfers

Smile Existing Customer Gold Visa

placeholder card image

No 0% intro

12.9% APR

Card Matcher is not available for this card
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

placeholder card image

No 0% intro

12.9% APR

Card Matcher is not available for this card
Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% (variable) annual.

Woodland Trust Flat Rate Card

placeholder card image

No 0% intro

12.9% APR

Card Matcher is not available for this card
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

placeholder card image

No 0% intro

12.9% APR

Card Matcher is not available for this card
Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.20% (variable) annual.

Halifax Clarity Credit Card

placeholder card image

No 0% intro

12.9% APR

Card Matcher is not available for this card
Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.94% (variable) annual.

MBNA More Rewards Credit Card

placeholder card image

No 0% intro

12.9% APR

Card Matcher is not available for this card
Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% (variable) annual.

MBNA More Rewards Credit Card

placeholder card image

No 0% intro

12.9% APR

Card Matcher is not available for this card
Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% (variable) annual.

Metro Bank Personal Credit Card

placeholder card image

No 0% intro

13.0% APR

Card Matcher is not available for this card
Representative Example: Representative 13% APR variable. Based on assumed borrowing of £1,200. Rate of interest 13% (variable) annual.

First Trust Option 3

placeholder card image

No 0% intro

14.9% APR

Card Matcher is not available for this card
Representative Example: Representative 14.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 13.97% (variable) annual.

Natwest Private Black Credit Card

placeholder card image

6 months 0% interest on purchases

14.9% APR

Card Matcher is not available for this card
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

placeholder card image

6 months 0% interest on purchases

14.9% APR

Card Matcher is not available for this card
Representative Example: Representative 14.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 14.94% (variable) annual.

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 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