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? |
|---|---|---|---|---|---|---|---|---|
| Lloyds TSB | Advance | Typical 11.9% APR (Variable) | 0.0% | 6 months | - | - | - |  |
| Royal Bank of Scotland a | Platinum Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| NatWest b | Platinum Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| Virgin Money c | Virgin Credit Card | Typical 15.9% APR (Variable) | 0.0% | 15 months | 0.0% | 3 months | 0.0% | |
| Nationwide d | Gold | Typical 15.9% APR (Variable) | 0.0% | 10 months | 0.0% | 3 months | - | |
| Halifax e | One Card | Typical 15.9% APR (Variable) | 0.0% | 10 months | 0.0% | 10 months | - | |
| Post Office f | Credit Card | Typical 15.9% APR (Variable) | 0.0% | 10 months | 0.0% | 3 months | 0.0% | |
| Lloyds TSB g | Platinum | Typical 16.9% APR (Variable) | 0.0% | 12 months | 0.0% | 6 months | - | |
| BA American Express h | Credit Card | Typical 17.9% APR (Variable) | - | - | - | - | - | |
| Virgin Atlantic i | Virgin Atlantic AMEX Card | Typical 17.9% APR (Variable) | 0.0% | 6 months | - | - | - | |
a - Available to those 25+ earning £25,000+ p.a.
b - Available to those over 25 earning £25,000+ p.a. .
c - Can’t wait to get a credit card? They could give you a decision online right now.
d - Peace of mind for all cardholders with Nationwide Fraud Watch & commission free purchases abroad.
e - A handling fee of 3% applies for each balance transfer
f - 0% commission on purchases abroad, 0% for 5 months on BT again on your 1st and 2nd anniversary
g - Minimum spend of £100 in the first 3 months applies.
h - Earn 1 BA Air Mile for virtually every £1 spent then redeem your points on worldwide BA flights.
i - 3000 bonus Flying Club miles on first spend, plus 1 mile for every £1 spent.
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.
