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%