Compare low APR credit cards

Compare low APR credit cards – if you want to borrow over a long period of time at a low interest rate, taking out a low-interest rate credit card can often work out cheaper than taking out a personal loan. It is also more flexible, allowing you increase your monthly payments without penalty charges.

  • Credit card
  • Balance
    transfers
  • Purchases
  • Representative
    APR
  • Product details
  • Apply
Sainsbury's Low Rate Credit Card
No introductory rate No introductory rate Representative
6.9%
APR
(variable)
  • Market-leading low rate
  • No fees on balance transfers
  • No balance transfers from other Sainsbury’s cards
Apply »
Representative example: assumed borrowing of £1,200, representative 6.9% APR (variable). Purchase rate 6.95% PA (variable).
Barclaycard Platinum Simplicity
No introductory rate No introductory rate Representative
7.9%
APR
(variable)
  • Market-leading low rate on balance transfers and purchases
  • No handling fee applies
  • New customers only
Apply »
Representative example: assumed borrowing of £1,200, representative 7.9% APR (variable). Purchase rate 7.9% PA (variable).
Capital One Click Card MasterCard
No introductory rate No introductory rate Representative
9.9%
APR
(variable)
  • Designed for shopping online
  • Exclusive access to brand discounts
  • A decision on your application in 60 seconds
  • Must be UK resident, earning +£20K, aged +21yrs, available to new customers only
Apply »
Representative Example: assumed borrowing of £1,200, representative 9.9% APR (variable). Purchase rate 9.94% PA (variable).
Lloyds TSB Advance MasterCard
4.9%
for 12 months
(3% fee)
0%
for 6 months
Representative
11.9%
APR
(variable)
  • Overseas emergency assistance
  • Secure internet shopping with Lloyds TSB ClickSafe
Apply »
Representative example: assumed borrowing of £1,200, representative 11.9% APR (variable). Purchase rate 12.0% PA (variable). Lloyds TSB Bank Plc, 25 Gresham Street, London, EC2V 7HN.
Nationwide BS Select Credit Card
0%
for 17 months
(2.95% fee)
0%
for 18 months
Representative
12.9%
APR
(variable)
  • Market leading interest free Purchase period
  • Unlimited commission-free purchases abroad
  • You must have a FlexAccount to qualify for the credit card, you can process a joint application. Must pay into the account £750 p.m other T&Cs apply
Apply »
Representative example: assumed borrowing of £1,200, representative 12.9% APR (variable). Purchase rate 12.9% PA (variable).
Lloyds TSB Platinum MasterCard
0%
for 15 months
(3% fee)
0%
for 3 months
Representative
17.9%
APR
(variable)
  • Full account management online
Apply »
Representative example: assumed borrowing of £1,200, representative 17.90% APR (variable). Purchase rate 17.95% PA (variable). Lloyds TSB Bank Plc, 25 Gresham Street, London, EC2V 7HN.
Bank of Scotland All in One MasterCard
0%
for 12 months
(3% fee)
0%
for 12 months
Representative
17.9%
APR
(variable)
  • Personalised cards
  • No balance transfers from Halifax or other Bank of Scotland cards
Apply »
Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable). Bank of Scotland, PO Box 23581, Edinburgh EH1 1WH.
Halifax All in One MasterCard
0%
for 15 months
(3% fee)
0%
for 15 months
Representative
17.9%
APR
(variable)
  • Market leading balance transfer and purchases card
  • The APR and length of the promotional offer are dependent on your personal circumstances
  • No balance transfers from Halifax or other Bank of Scotland cards
Apply »
Representative example: assumed borrowing of £1,200, representative 17.90% APR (variable). Purchase rate 17.95% PA (variable). Halifax, The Mound, Edinburgh EH1 1YZ. If you are accepted at our highest rate you may not be offered an introductory period.

Some important information about this page

We are normally made aware of changes to rates and products, but very occasionally changes may occur without our being notified. If you spot any mistakes or inaccuracies on our site, please contact us.

Please note that the services and products featured are those made available from advertisers and may not necessarily be the best offers on the market. For more information, please see our Credit cards advertising disclosure.

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