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 Bank Cashback Low Rate CC
No introductory rate No introductory rate Representative
7.8%
APR
(variable)
  • 5% cashback on Sainsbury's shopping for the first 3 months from account opening (capped at £50 per month)
  • £5 cashback each month when you spend at least £250 per month on Sainsbury's shopping and at least £250 per month elsewhere
  • No annual fee
  • New customers only
Apply »
Representative example: assumed borrowing of £1,200, representative 7.8% APR (variable). Purchase rate 7.8% PA (variable).
Sainsbury's Bank Nectar Low Rate
No introductory rate No introductory rate Representative
7.8%
APR
(variable)
  • 10 Nectar points per £1 on Sainsbury's shopping for the first 3 months from account opening (capped at £1K spend per month)
  • After the first 3 months you can earn 4 Nectar points per £1 on Sainsbury's shopping
  • 1 Nectar point for every £5 spent on your card elsewhere
  • New customers only
Apply »
Representative example: assumed borrowing of £1,200, representative 7.8% APR (variable). Purchase rate 7.8% 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).
NatWest Low Rate Credit Card Visa
2.9%
for 12 months
(no fee)
0%
for 6 months
Representative
9.9%
APR
(variable)
  • Low rate on balance transfers for 12 months reverts to standard annual rate and 0% on purchases for 6 months reverting to annual purchase rate (variable)
  • Only available online and to customers with an excellent credit status
  • No balance transfers from NatWest or RBS cards
Apply »
Representative example: assumed borrowing of £1,200, representative 9.9% APR (variable). Purchase rate 9.95% PA (variable).
Royal Bank of Scotland RBS Low Rate Credit Card Visa
2.9%
for 12 months
(no fee)
0%
for 6 months
Representative
9.9%
APR
(variable)
  • Low rate on balance transfers for 12 months reverts to standard annual rate and 0% on purchases for 6 months reverting to annual purchase rate (variable)
  • Only available online and to customers with an excellent credit status
  • No balance transfers from RBS or NatWest cards
Apply »
Representative example: assumed borrowing of £1,200, representative 9.9% APR (variable). Purchase rate 9.95% PA (variable).
Saga Over 50's Platinum Visa
0%
for 9 months
(3% fee)
0%
for 9 months
Representative
11.9%
APR
(variable)
  • 0% foreign currency fee
  • A secure online account managment tool
  • Applicants must be aged 50yrs or over
Apply »
Representative example: assumed borrowing of £1,200, representative 11.9% APR (variable). Purchase rate 11.3% PA (variable). Allied Irish Banks plc, Bankscentre, Ballsbridge, Dublin 4, Republic of Ireland.
Lloyds TSB Advance Online 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 11.95% PA (variable). Lloyds TSB Bank Plc, 25 Gresham Street, London, EC2V 7HN
Nationwide BS Select Credit Card
0%
for 20 months
(3.1% fee)
0%
for 12 months
Representative
12.9%
APR
(variable)
  • Unlimited commission-free purchases abroad
  • You must have a FlexAccount to qualify for the credit card (other T&Cs apply)
Apply »
Representative example: assumed borrowing of £1,200, representative 12.9% APR (variable). Purchase rate 12.9% PA (variable).
Fluid Card
0%
for 15 months
(1.5% fee)
0%
for 5 months
Representative
15.9%
APR
(variable)
  • Check if you are likely to be accepted before completing your application
  • Low BT fee just 1.5%
  • No balance transfers from BMI, MBNA, Virgin or other Fluid cards
Apply »
Representative example: assumed borrowing of £1,200, representative 15.9% APR (variable). Purchase rate 15.9% PA (variable).

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Some of the products featured here are advertisements where the providers pay us for custom our site generates for them. If you have any questions about the products featured please contact us.

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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