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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

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 6.4% (variable) annual.
Offer available exclusively online

Co-Operative Platinum Fixed Rate

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No 0% intro

9.9% APR

Card Matcher is not available for this card
Representative Example: Representative 9.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 9.9% (variable) annual.

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

RSPB Fixed Rate Platinum Card

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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

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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.

Lloyds Bank Advance

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6 months 0% interest on purchases

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 11.95% (variable) annual.
Includes Lloyds Bank ClickSafe for extra protection when you're shopping online

Co-Operative Clear Visa Card

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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

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6 months 0% interest on purchases

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 11.95% (variable) annual.

Co-Operative Clear Visa

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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.

Smile Existing Customer Gold Visa

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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.

Co-Operative Think Credit Card

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3 months 0% interest on purchases

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

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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 Flate Rate Card

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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

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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.

Halifax Clarity Credit Card

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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 12.95% (variable) annual.

MBNA More Rewards Credit Card

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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

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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

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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 Credit Card

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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

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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

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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.

Asda Money Credit Card

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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 14.9% (variable) annual.

Classic Card - Semi Exclusive

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3 months 0% interest on purchases

25.9% APR

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Representative Example: Representative 25.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 25.95% (variable) annual. Postal address: Card Services, PO BOX 33, Brighton, BN1 4BE
 

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