Best Card Rates

Looking for a low APR credit card? Compare low rate cards here. Great if you don't want to keep having to transfer your balance!

Low Rate Credit Cards

Tesco Bank Clubcard Credit Card with Low APR Mastercard
APR

5.9%

Interest Free Days

51

Additional information
  • Earn Tesco Clubcard points for spending on your card
  • Rates dependent on credit rating
  • No fees on Tesco travel money
Representative Example: Based on a credit limit of £1200.00 charged at 5.94% variable per annum for purchases. Representative 5.9% APR variable.
Bank of Scotland Online Platinum Low Rate Mastercard
APR

6.4%

Interest Free Days

56

Additional information
  • Emergency card replacement
  • Rates dependent on credit rating
  • Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 6.45% variable per annum for purchases. Representative 6.4% APR variable.
Lloyds Bank Online Platinum Low Rate Mastercard
APR

6.4%

Interest Free Days

56

Additional information
  • 24 hour customer service
  • Rates dependent on credit rating
  • Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 6.45% variable per annum for purchases. Representative 6.4% APR variable.
Halifax Flexicard Mastercard
APR

6.4%

Interest Free Days

56

Additional information
  • Instalment plan is available online
  • Rates dependent on credit rating
  • Contactless payments available up to £30
Representative Example: Based on a credit limit of £1200.00 charged at 6.45% variable per annum for purchases. Representative 6.4% APR variable.
Barclaycard Platinum Low Rate Visa
APR

6.9%

Interest Free Days

56

Additional information
  • Low rate of 6.9%
  • Can't change payment due date
  • Contactless payments up to £30
Representative Example: Based on a credit limit of £1200.00 charged at 6.9% variable per annum for purchases. Representative 6.9% APR variable.
MBNA Low Rate Credit Card Mastercard
APR

8.9%

Interest Free Days

56

Additional information
  • Low APR of 8.9%
  • No balance transfers from MBNA cards
  • Contactless payments up to £30
Representative Example: Based on a credit limit of £1200.00 charged at 8.9% variable per annum for purchases. Representative 8.9% APR variable.
NatWest Credit Card Mastercard
APR

9.9%

Interest Free Days

56

Additional information
  • No foreign transaction fees
  • Rates dependent on credit rating
  • Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 9.9% variable per annum for purchases. Representative 9.9% APR variable.
Royal Bank of Scotland Royal Bank Credit Card Mastercard
APR

9.9%

Interest Free Days

56

Additional information
  • No foreign transaction fees
  • Rates dependent on credit rating
  • Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 9.9% variable per annum for purchases. Representative 9.9% APR variable.
Clydesdale Bank B Credit Card Mastercard
APR

9.9%

Interest Free Days

59

Additional information
  • Low APR of 9.9%
  • Higher rates for cash withdrawals
  • Secure online shopping with Mastercard SecureCode
Representative Example: Based on a credit limit of £1200.00 charged at 9.9% variable per annum for purchases. Representative 9.9% APR variable.
American Express Rewards Low Rate Credit Card
APR

9.9%

Interest Free Days

56

Additional information
  • Spend £500 in first 3 months for 5,000 Membership Reward® bonus points
  • No balance transfers
  • Contactless payments up to £30
Representative Example: Based on a credit limit of £1200.00 charged at 9.9% variable per annum for purchases. Representative 9.9% APR variable.
Creation Everyday Credit Card Mastercard
APR

12.9%

Interest Free Days

50

Additional information
  • Low APR of 12.9%
  • No balance transfers from Creation Financial Services cards
  • Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 12.9% variable per annum for purchases. Representative 12.9% APR variable.
Maximiles Mastercard
APR

17.9%

Interest Free Days

50

Additional information
  • Earn Maximiles points
  • No balance transfers from Creation Financial Services cards
  • Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 17.9% variable per annum for purchases. Representative 17.9% APR variable.

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Disclaimer:
All credit cards are subject to the applicant’s status. The APR quoted is representative of the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you are offered may be higher, or you may not be offered credit. Fees and rates subject to change without notice. Please check all rates and terms before borrowing.

Moneyfacts.co.uk Limited is an independent credit broker not a lender. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence