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

Lloyds Bank Online Platinum Low Rate MasterCard
APR

5.7%

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 5.69% variable per annum for purchases. Representative 5.7% APR variable.
AA Low Rate Credit Card MasterCard
APR

5.9%

Interest Free Days

56

Additional information
  • Low purchase rate of 5.9% APR
  • Rates dependent on credit rating
  • AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Ltd is a credit broker and not a lender
Representative Example: Based on a credit limit of £1200.00 charged at 5.854% variable per annum for purchases. Representative 5.9% APR variable.
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.
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.
Bank of Scotland Online Platinum Low Rate MasterCard
APR

6.4%

Interest Free Days

56

Additional information
  • Emergency card replacement
  • £5 charge if you need to change payment due date
  • 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.
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.
TSB Low rate Advance MasterCard
APR

7.9%

Interest Free Days

0

Additional information
  • 24 hour customer service
  • Interest will be charged from day of transaction
  • Status & Lending criteria, 18+ & UK resident
Representative Example: Based on a credit limit of £1200.00 charged at 7.94% variable per annum for purchases. Representative 7.9% APR variable.
MBNA 5 Credit Card
APR

8.9%

Interest Free Days

49

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.
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
  • Cannot change payment due date
  • 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.
NatWest Clear Rate Platinum Credit Card MasterCard
APR

11.1%

Interest Free Days

56

Additional information
  • Low rate of 11.1% APR
  • No transfers from RBS Group cards
  • Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 6.9% variable per annum for purchases. Fee of £24 per annum applies. Representative 11.1% APR variable.
Royal Bank of Scotland Clear Rate Platinum Credit Card MasterCard
APR

11.1%

Interest Free Days

56

Additional information
  • Low rate of 11.1% APR
  • No transfers from RBS Group cards
  • Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 6.9% variable per annum for purchases. Fee of £24 per annum applies. Representative 11.1% APR variable.

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply online today. Products shown with a yellow background are sponsored products.

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