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Compare low rate credit cards

We have found 20 out of 162 credit cards that offer a low interest rate for everday spending.

Pay a consistently low interest rate on all of your spending.

Benefits
There are no introductory offers that expire after a limited period — the low rate lasts for the lifetime of the card.
Pitfalls
Interest charges can mount up if you don't pay off your balance in full.
5.9% APR No 5.85% 72%Good

AA Low Rate Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 5.85% (variable), representative 5.9% APR (variable). Credit available subject to status.
5.9% APR Yes 5.94% 65%Fair

Tesco Bank Clubcard Low APR Credit Card

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.
5.9% APR Yes 5.94% 62%Poor

Sainsbury's Bank Low Rate Credit Card

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.
6.4% APR No 6.45% 66%Fair

Halifax Flexicard

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)
6.4% APR No 6.45% 64%Fair

Bank of Scotland Low Rate Credit Card

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)
6.4% APR No 6.45% 62%Poor

Lloyds Bank Platinum Low Rate Credit Card

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)
7.9% APR No 7.94% 72%Good

TSB Low rate Advance MasterCard

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 7.94% (variable), representative 7.9% APR (variable). Credit available subject to status. 0% for 3 months on balances transferred within the first 90 days (0% fee applies).
11.1% APR No 6.9% 59%Poor

NatWest Clear Rate Platinum Credit Card

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.
11.1% APR No 6.9% 57%Poor

Royal Bank of Scotland Clear Rate Platinum Credit Card

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.

Amnesty International Fixed Rate Platinum Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 11.9% (fixed), representative 11.9% APR (variable). Credit available subject to status.

Save the Children Platinum Fixed Rate Charity Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 11.9% (variable), representative 11.9% APR (variable). Credit available subject to status.
12.9% APR No 12.9% 69%Good

Smile Gold Credit Card for Existing Customers

  1. You need to have another product with the same provider to take out this credit card so make sure the other product is also right for you before applying.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 12.9% (variable), representative 12.9% APR (variable). Credit available subject to status.

Creation Everyday Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 12.9% (variable), representative 12.9% APR (variable). Credit available subject to status.

Oxfam Flat Rate Charity Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 12.9% (variable), representative 12.9% APR (variable). Credit available subject to status.

Woodland Trust Flat Rate Charity Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 12.9% (variable), representative 12.9% APR (variable). Credit available subject to status.

Metro Bank Credit Card

  1. You need to have another product with the same provider to take out this credit card so make sure the other product is also right for you before applying.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 12.28% (variable), representative 13.0% APR (variable). Credit available subject to status.

Coutts Silk Credit Card

  1. You need to have another product with the same provider to take out this credit card so make sure the other product is also right for you before applying.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 14.71% (variable), representative 14.7% APR (variable). Credit available subject to status.
14.9% APR No 14.9% 64%Fair

Barclaycard Platinum Travel Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 14.9% (variable), representative 14.9% APR (variable). Credit available subject to status.

First Trust Bank (NI) Visa Option Three Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 13.97% (variable), representative 14.9% APR (variable). Credit available subject to status.