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.

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  • Credit card
  • Balance
    transfers
  • Purchases
  • Representative
    APR
  • Product details
  • Apply
Sainsbury's Bank Cashback Low Rate CC
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
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
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
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
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
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
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
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
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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