Compare theBest Credit CardsCompare UK credit cards to find the best credit card deals for you!
Representative APR (Variable) Credit Card DefinitionPurchases Credit Card DefinitionBalance Transfers Credit Card DefinitionRewards Credit Card Definition
Barclaycard Platinum Simplicity
BarclaycardPlatinum Simplicity
7.9%APR
7.9%
7.9%Life of balance
0% fee
  • Music
  • Low APR of only 7.9%
  • No balance transfer fee
  • Barclaycard Unwind - exclusive access to music events, tickets to shows and live sessions. Keep up-to-date with news about artists and bands.
  • Contactless payment for items up to £15
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Representative Example: Based on a credit limit of £1,200 charged at 7.9% (variable) p.a. for purchases. Representative 7.9% APR (variable).
Capital One Click Credit Card
Capital OneClick Card
9.9%APR
No offer
9.94%0% fee
  • Shopping discounts
  • Exclusive access to great brand discounts with eXtras plus
  • Low APR of only 9.9%
  • Purchase protection insurance
  • Enhanced security when shopping online
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Representative Example: Based on a credit limit of £1,200 charged at 9.94% (variable) p.a. for purchases. Representative 9.9% APR (variable).
Lloyds TSB Advance
Lloyds TSBAdvance
11.9%APR
0%6 months
4.9%12 months
3% fee
  • No rewards
  • Low standard APR rate of 11.9%
  • 0% on purchases for 6 months
  • Internet fruad loss protection
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Representative Example: Based on a credit limit of £1,200 charged at 11.95% (variable) p.a. for purchases. Representative 11.9% APR (variable).
Nationwide Credit Card
NationwideCredit Card
15.9%APR
0%3 months
0%17 months
2.95% fee
  • Shopping
  • Travel
  • 0% on balance transfers for 17 months
  • Ideal for overseas spending
  • Commission free foreign transactions
  • Simply Rewards scheme - offers on major brands
  • Good credit history required
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Representative Example: Based on a credit limit of £1,200 charged at 15.9% (variable) p.a. for purchases. Representative 15.9% APR (variable).
Nationwide Purchase Credit Card
NationwidePurchase Credit Card
15.9.%APR
0%6 months
No offer
  • Shopping
  • Travel
  • 0% on purchases for 6 months
  • Ideal for overseas spending
  • Commission free foreign transactions
  • Simply Rewards scheme - offers on major brands
  • Good credit history required
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Representative Example: Based on a credit limit of £1,200 charged at 15.9% (variable) p.a. for purchases. Representative 15.9% APR (variable).
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Low APR Credit Cards

Low APR credit cards are great for customers who want an extended period of time to pay back their debt. APR stands for 'annual percentage rate', where the cost of the credit is levied by the credit card company as a yearly rate of interest. You can either have a fixed low APR rate on your credit card, or an introductory low APR rate. Of course, the fixed low APR rate is better suited to those wanting to save money, as the interest they pay will not rise over time. Whereas some cards will only offer an exclusive interest rate for the first six months or the first year, others will provide low APR until a particular date.

Low APR Credit Cards are good if you want to make larger purchases that you need to be repay over several months. As with other credit cards, it's important to look at the other charges involved, such as late fees, annual charges and insurance for your payment protection plan. Low APR credit cards are very attractive at the moment - especially as the interest rates on some credit cards are rising at the moment.

With a low APR credit card you won't have to keep switching between credit card providers that are offering the longest 0% interest on purchases as an introductory offer. This means you will save time and money by avoiding the payment of balance transfer fees and it will look better on your credit history if you haven't repeatedly switched cards for lower interest deals.

Low rate APR credit cards are perfect for people who do normally pay off their credit card bill each month, but occasionally carry the balance over. With many low APR credit cards you need a good credit rating to begin with - so it's best to check before you switch companies. By staying with one low APR credit card rate in the long term, you could end up saving money by not paying high interest or paying balance transfer fees repeatedly.

When it comes to choosing the right credit card, you need to ask yourself how quickly you can repay your debt, how much debt do you have and what your credit rating is. There are many different credit cards to suit everyone. If you're unsure, there's plenty of information on the Internet that will help you to make an informed decision.