Low Interest Credit Cards
We detail the best low interest credit cards in the UK. Find the lowest rate available for standard APR, and interest free credit card introductory offers. The table below details the best low interest credit cards available in the UK, based on the credit card's standard APR rate. This will be of particular interest if you do not plan to pay off your balance each month. However, you should also review our best buy tables for both 0% balance transfers and 0% introductory rate on purchases .
We have also included in the table any introductory offers relating to the best standard APR credit cards, and any cash back deals being offered.
We also provide three other 'best buy tables' covering 0% balance transfers, 0% introductory rates and cash back deals.
| Company | Card Type | Typical APR (Variable) | Bal Trans | Duration | Intro Rate | Duration | Cashback | Apply? |
|---|---|---|---|---|---|---|---|---|
| Virgin Money a | Prepaid MasterCard | - | - | - | - | - | - |  |
| CashPlus b | Mastercard | Typical 0.0% APR (Variable) | 0.0% | - | 0.0% | - | 0.0% | |
| Royal Bank of Scotland c | Classic Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| NatWest d | Classic Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| Royal Bank of Scotland e | Platinum Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| NatWest f | Platinum Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| Tesco g | Bonus Card | Typical 14.9% APR (Variable) | 0.0% | 13 months | 0.0% | 3 months | - | |
| Virgin Money h | Virgin Credit Card | Typical 15.9% APR (Variable) | 0.0% | 15 months | 0.0% | 3 months | 0.0% | |
| MBNA i | Platinum | Typical 15.9% APR (Variable) | 0.0% | May 2009 | 0.0% | July 2008 | 0.0% | |
| Tesco j | Bonus Card | Typical 15.9% APR (Variable) | 0.0% | 13 months | 0.0% | 3 months | - | |
a - No bank account needed and no credit checks. Apply now.
b - Pre-pay payment card only, no credit check or bank account required. Guaranteed acceptance.
c - Get 0% on balance transfers for 13 months (2.9% fee applies).
d - Get 0% on balance transfers for 13 months (2.9% fee applies) and 0% for 6 months on all your purchases.
e - Available to those 25+ earning £25,000+ p.a.
f - Available to those over 25 earning £25,000+ p.a. .
g - Plus it calculates how much interest you've paid over the year, then gives you back 1/12th of what you've paid.
h - Can’t wait to get a credit card? They could give you a decision online right now.
i - 0% p.a. on transferring cash into your current account until May 2009. Apply for an Instant Decision!
j - The only credit card to give you an interest payment back! 0% on everything you buy in Tesco for 13 months.
Whilst every care has been taken to ensure the information displayed here is correct, always check the details of a card before applying as offers are subject to change without notice.
