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? |
|---|---|---|---|---|---|---|---|---|
| American Express a | Business Gold Card | - | - | - | - | - | - |  |
| Virgin Money b | Prepaid MasterCard | - | - | - | - | - | - | |
| CashPlus c | Mastercard | Typical 0.0% APR (Variable) | 0.0% | - | 0.0% | - | 0.0% | |
| Cooperative Bank d | Flat Rate Platinum | Typical 11.9% APR (Variable) | 11.9% | 5 years fixed | 0.0% | - | 0.0% | |
| Capital One e | Platinum | Typical 12.9% APR (Variable) | 0.0% | 1st May 2009 | 0.0% | 2009-05-01 | 0.0% | |
| Cooperative Bank f | Clear Card | Typical 12.9% APR (Variable) | 12.9% | life of balance | 12.9% | - | 0.0% | |
| NatWest g | Classic Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| Royal Bank of Scotland h | Classic Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| Barclaycard i | Platinum | Typical 14.9% APR (Variable) | 0.0% | 14 months | 0.0% | 3 months | 0.0% | |
| Barclaycard j | Platinum Purchase Card | Typical 14.9% APR (Variable) | 6.5% | life of balance | 0.0% | 10 months | - | |
a - Charge card with no pre-set spending limit, no fee for 1st year & savings with Amex partners.
b - No bank account needed and no credit checks. Apply now.
c - Pre-pay payment card only, no credit check or bank account required. Guaranteed acceptance.
d - Must be 25 or over and earn £25000+. Minimum £5k credit limit. Platinum privileges.
e - Register Online for Free Identity Alerts powered by Equifax
f - Free Travel Accident Insurance*, medical & legal assistance overseas & no charge for using cheques.
g - Get 0% on balance transfers for 13 months (2.9% fee applies) and 0% for 6 months on all your purchases.
h - Get 0% on balance transfers for 13 months (2.9% fee applies).
i - Plus a range of other benefits.
j - Free fraud protection, worldwide assistance and Identity Protection services.
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.
