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 Nectar Low Rate
No introductory rate No introductory rate Representative
6.9%
APR
(variable)
  • Double Nectar points 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 for 1 year, at a Purchase Rate of 7.0% (variable), representative 6.9% APR (variable). Credit available subject to status.
Tesco Bank Clubcard Credit Card with Low APR
0%
for 3 months
0%
for 3 months
Representative
7.8%
APR
(variable)
  • Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4min). Must have available credit.
  • Online servicing
  • Minimum income £5K, UK resident with good credit history
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 7.8% (variable), representative 7.8% APR (variable). Credit available subject to status.
NatWest Clear Rate Platinum MasterCard
No introductory rate No introductory rate Representative
11.1%
APR
(variable)
  • A simple, low rate for balance transfers and purchases - 6.9% p.a. (variable)
  • No balance transfer fee
  • Annual fee of £24
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 6.9% (variable), representative 11.1% APR (variable). Credit available subject to status.
RBS Clear Rate Platinum MasterCard
No introductory rate No introductory rate Representative
11.1%
APR
(variable)
  • A simple, low rate for balance transfers and purchases - 6.9% p.a. (variable)
  • No balance transfer fees
  • Annual fee of £24
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 6.9% (variable), representative 11.1% APR (variable). Credit available subject to status.
Lloyds Bank Advance Online MasterCard
4.9%
for 12 months
(3% fee)
0%
for 6 months
Representative
11.9%
APR
(variable)
  • 4.9% p.a. interest for the first 12 months on balances transferred within the first 90 days (3% fee applies)*
  • Overseas emergency assistance
  • Secure internet shopping with Lloyds Bank ClickSafe
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 12.0% (variable), representative 11.9% APR (variable). Credit available subject to status.
TSB Advance MasterCard
4.9%
for 12 months
(3% fee)
0%
for 6 months
Representative
11.9%
APR
(variable)
  • 4.9% p.a. interest for the first 12 months on balances transferred within the first 90 days (3% fee applies). T&C's Apply
  • ID Fraud Protection and Active Account Monitoring
  • No balance transfers from other TSB cards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 12.0% (variable), representative 11.9% APR (variable). Credit available subject to status.
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 for 1 year, at a Purchase Rate of 11.3% (variable), representative 11.9% APR (variable). Credit available subject to status.

ABOUT THIS SERVICE

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lovemoney.com financial services and loveMONEY.com will not charge you a fee for using this service, but you should check with your chosen provider if they will charge a fee for giving you credit.

The table shows a range of products from the market. We work with the majority of Financial Service Providers to show the best deals.

The All Credit Cards table is ranked in a formula that combines Likelihood of acceptance (Highest first), Balance Transfer Period (Longest Period first), Balance Transfer Fee (Lowest Fee first) and Representative APR (Lowest APR first).

The other tables are ranking using a formula that combines Likelihood of acceptance (Highest first), and the key aspect of the table, eg for the Low APR Table its Representative APR (lowest first) and for the 0% new purchases table its Purchase period (Longest Period first).

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