Low Interest Credit Cards

The cards below are listed in order of those offering the most competitive standard or long term APR for purchases / balances (not just introductory rates). A low interest credit card can save you money if you do not intend to pay off your balance each month. The lower the APR the cheaper the interest.

Credit Card Intro Rate For
Balance Transfers
Intro Rate For
Purchases
Typical APR (variable)
Barclaycard Simplicity
Suitable for applicants with a good credit rating
6.8%
(Fee: no fee)
6.8% 6.8%
Bank of Scotland All In One
0% for 10 months
(Fee: 3% - min £3)
0% for 10 months 15.9%
Halifax All In One
0% for 10 months
(Fee: 3% - min £3)
0% for 10 months 15.9%
Lloyds TSB Airmiles Duo Credit Card Account
Get two free flights with the Lloyds TSB Airmiles Duo Credit Card Account
0% for 6 months
(Fee: 3%)
15.9% 15.9%
Lloyds TSB Platinum
0% for 12 months
(Fee: 3% )
0% for 3 months 15.9%
Virgin
0% for 14 months
(Fee: 2.98%)
0% for 3 months 16.6%
NatWest Platinum
1% off the APR for Advantage Gold customers
0% for 16 months
(Fee: 2.9% - min £5)
0% for 3 months 16.9%
Barclaycard Platinum
0% for 16 months
(Fee: 2.9% )
0% for 3 months 16.9%
MBNA Rate for Life
5.9% on balance transfers and money transfers for the life of the balance
5.9% for the life of the balance
(Fee: 2% - min £3)
16.9% 16.9%
MBNA Rewards
0% for 13 months
(Fee: 2.9% - min £3)
0% for 3 months 16.9%
MBNA Platinum Plus
0% for 13 months
(Fee: 2.9% )
0% for 3 months 16.9%
RBS Platinum
1% off the APR for Royalties Gold customers
0% for 16 months
(Fee: 2.9% - min £5)
0% for 3 months 16.9%
HSBC Bank
This product is only available to existing HSBC customers
0% for 15 months
(Fee: 2.9% fee - min £5)
0% for 3 months 16.9%
Egg
0% until October 2011
(Fee: 3% )
0% until November 2010 17.9%
Express Rewards
Spend £500 in the first 3 months and receive 6,000 bonus points
17.9%
(Fee: 3%)
0% for 6 months 17.9%
Virgin Purchases
0% for 12 months
(Fee: 2.98%)
0% for 12 months 18.9%
AA Credit Card
Collect AA Rewards Points and exchange them for a range of motoring products and services
0% for 12 months
(Fee: 3% - min £3)
0% for 9 months 18.9%
NatWest
This offer is only available to existing NatWest customers
19.9%
(Fee: no fee)
4.9% for 9 months 19.9%
Capital One World MasterCard
1% cashback on all purchases. Annual fee of £18.00 applies
19.9%
(Fee: no fee)
19.9% 19.9%
American Express Platinum Cashback
- 19.9% 19.9%
British Airways American Express
Collect 1,000 bonus BA Miles when you spend £500 in the first 3 months
- 19.9% 19.9%
Royal Bank of Scotland
This offer is only available to existing RBS customers
19.9%
(Fee: no fee)
4.9% for 9 months 19.9%
Capital One Progress
The credit card that can shrink your interest rate as low as 17.9%
- 29.9% 29.9%
Barclaycard Initial
Suitable for people looking to strengthen or rebuild their credit rating.
- 29.9% 29.9%
Capital One Classic
- 34.9% 34.9%
aqua
- 35.9% 35.9%
Vanquis Visa
- 39.9% 39.9%
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