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Low APR Credit Cards

  • Low APR credit cards are designed for everyday use and could provide a cheaper way to borrow over a longer period.
  • Compare the lowest rates on offer along with the other benefits and features.
  • There are 6 out of 87 cards matching this search.
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MBNA Balance Transfer Credit Card
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  • 0% for up to 39 months from account opening on balance transfers made in the first 60 days
  • 1.48% effective fee applies on each balance transfer made in the first 60 days
  • Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

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    • Sainsbury's Bank Low Rate Credit Card

    • Balance Transfers Offer
      5.94% Variable
      (0% fee)
    • New Purchases Offer
      No Introductory Rate
      No Intro Rate
    • Representative APR
      5.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        Sainsbury's Bank

      Benefits

        • Interest rate and credit limit are subject to status.
        • 5,000 bonus Nectar points - spend £250 in a Sainsbury's store in the first month from account opening. Ends 28th August 2017
        • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
        • No annual fee.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident.
        • You must not be an existing Sainsbury's Bank Credit Card customer.
      • Min Age
        18
      • Visit Website
      • 5,000 bonus Nectar points - spend £250 in a Sainsbury's store in the first month from account opening. Ends 28th August 2017
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 5.94% (variable), representative 5.9% APR (variable). Credit available subject to status.

    • Bank of Scotland Low Rate Credit Card

    • Balance Transfers Offer
      6.45% Variable
      (3% fee)
    • New Purchases Offer
      No Introductory Rate
      No Intro Rate
    • Representative APR
      6.4% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Bank of Scotland

      Benefits

        • No balance transfer fee applies on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter.
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • A low representative rate of 6.4% APR (variable).
        • One simple rate for both balance transfers and purchases.
        • Manage your card online using Online Banking and Mobile Banking service.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 6.45% (variable), representative 6.4% APR (variable). Credit available subject to status. An Introductory fee of 0% will be applied, then increasing to 3% after 90 days. (Terms and conditions apply)

    • Halifax Flexicard Credit Card

    • Balance Transfers Offer
      6.45% Variable
      (3% fee)
    • New Purchases Offer
      No Introductory Rate
      No Intro Rate
    • Representative APR
      6.4% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Halifax

      Benefits

        • A low representative rate of 6.4% APR (variable).
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Installment plans that can be from 2 to 36 months.
        • 0% fee on balance transfers made within the first 90 days.
        • 3% fee applies on each balance transfer made after the first 90 days. Note that balance transfers cannot be put into an instalment plan.

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 6.45% (variable), representative 6.4% APR (variable). Credit available subject to status. An Introductory fee of 0% will be applied, then increasing to 3% after 90 days. (Terms and conditions apply)

    • Barclaycard Platinum Simplicity Low Rate Credit Card

    • Balance Transfers Offer
      6.9% Variable
      (0% fee)
    • New Purchases Offer
      No Introductory Rate
      No Intro Rate
    • Representative APR
      6.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £250
      • Provider
        Barclaycard

      Benefits

        • Barclaycard PayTag enabled - Use your mobile phone for contactless payments.
        • Contactless payment for items up to £30.
        • Instant online decision available.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 6.9% (variable), representative 6.9% APR (variable). Credit available subject to status.

    • NatWest Clear Rate Platinum Credit Card

    • Balance Transfers Offer
      6.9% Variable
      (0% fee)
    • New Purchases Offer
      No Introductory Rate
      No Intro Rate
    • Representative APR
      11.1% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Annual fee
        £24
      • Min Credit
        £300
      • Provider
        NatWest

      Benefits

        • A simple, low rate for balance transfers and purchases.
        • No balance transfer fees.
        • Manage your card online.
        • Fraud protection.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 6.9% (variable), with a £24 annual fee, representative 11.1% APR (variable). Credit available subject to status.

    • Royal Bank of Scotland Clear Rate Platinum Credit Card

    • Balance Transfers Offer
      6.9% Variable
      (0% fee)
    • New Purchases Offer
      No Introductory Rate
      No Intro Rate
    • Representative APR
      11.1% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Annual fee
        £24
      • Min Credit
        £300
      • Provider
        Royal Bank of Scotland

      Benefits

        • A simple, low rate for balance transfers and purchases.
        • No balance transfer fees.
        • Manage your card online.
        • Fraud Protection.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 6.9% (variable), with a £24 annual fee, representative 11.1% APR (variable). Credit available subject to status.

    Low APR Credit Cards FAQ

    If you struggle to pay off your credit card balance each month, a low APR credit card could lead to fewer costs in interest and charges. While 0% offers can seem appealing - they're not the correct choice for everyone, as if you don't clear your balance before the 0% period expires you could be left with an annual percentage rate of anywhere between 15% and 25%. On the other hand, a low APR card can offer a rate of between 6% and 15%.

    While you can try and switch to another 0% credit card at the end of your 0% period, there's a risk that you may not be accepted - leaving you with a huge interest rate, and the potential for a negative impact on your credit score.

    What Counts as a Good Low APR on a Credit Card?

    Most credit cards charge an APR of 17% or more, which means that any percentage less than 12.9% could qualify as a low APR option. To get the best deal on your low APR card, remember to shop around, as representative APRs on low rate cards can range from 6.9% to 16.9% variable, based on a number of factors.

    How Can I Choose the Right Low APR Card?

    There is a range of low APR credit cards on the market today, which makes choosing the right one for you a personal process. For example, if you need to transfer a balance across from an old card, you might be best suited picking a provider that offers no transfer fee. Alternatively, if you travel frequently, it may be worth applying for a card that provides discounts on insurance and travel. Also, keep in mind that while some cards provide a low APR for the full lifetime of the card, others provide it only for a limited period of time - be sure to check the terms and conditions before you apply.

    Which Charges will I Pay on a Low APR Card?

    Low APR credit cards still require users to pay interest and other fees that can sometimes be avoided if you know how to carefully schedule your charges and repayments. For instance, some low rate cards may charge fees for breaching account terms, such as making late repayments or exceeding your credit limit, while others will charge fees for using the card abroad, or withdrawing cash.

    Is My Credit Score Important?

    Yes, no matter which provider or lender you choose, your credit score will help them to determine whether you should be accepted for a low APR credit card, and what kinds of rates you should be offered.

    What Will My Credit Limit Be?

    Your credit limit will depend on a number of factors, including your current credit score when you apply for the low APR card, as well as any offers or deals being provided by the lender. You should be able to see your potential credit limit when you successfully apply for the card.

    How Should I Make Repayments on my Low APR Card?

    As with most credit cards, the best way to make repayments on your low APR card is to set up a direct debit for at least the minimum monthly repayment amount from the moment you are accepted.

    How does our comparison table work?

    Our credit card comparison tool can help you identify the right credit card for you. How you choose a credit card will be driven by what you want from it, and we have broken down those key features for easier comparisons. To help you, we have initially ranked our credit cards by 'Our Most Popular', i.e. the cards that our users felt most suited their needs. You can reorder the comparison according to other criteria via the drop-down box directly above the table.

    Helpful links for credit card issues

    Money Advice Service - The government's Money Advice Service website provides concise, unbiased information on choosing and using credit cards as well as handy tools such as credit card calculators.

    The UK Cards Association - The British trade association for card payment companies has an extensive range of guides on their website covering all the types of payment cards available to UK consumers including debt, credit and prepaid cards.

    Financial Fraud Action (FFA) UK - The Financial Fraud Action website features important advice on using payment cards safely and securely as well as information on the latest scams.

    Financial Ombudsman Service - If you've already made a complaint to your card provider and have not had your issue resolved satisfactorily then the next step is to take up your complaint with the Financial Ombudsman.

    About this service: Comparison tables are provided by KnowYourMoney.co.uk and is a free service to our users. The tables include providers from whom we may receive commission. For more details on how our site works click here.

    The credit card data is supplied by Runpath Group Ltd, a registered company in England & Wales. Company Reg No: 07406032. Registered address: 2nd Floor, 112-116 Old Street, London EC1V 9BG.

    The tables shows a range of products from the market and this service does not consider your personal credit position. Our service is non-advised, which means that no advice is given or implied.

    If you wish to complain about this service please click here.