Purchases Balance Transfers Rewards 
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 £20
- You must have an excellent credit rating
3% fee
- No rewards
- Low standard APR rate of 11.9%
- 0% on purchases for 6 months
- Internet fruad loss protection
3.1% fee
- Cashback
- 0% on purchases for 12 months
- 0% on balance transfers for 20 months
- Unlimited cashback - 0.5% on all sterling purchases
- Unlimited commission-free purchases abroad
- Low APR rate of 12.9%
- To apply for this card you must hold a Nationwide FlexAccount with a Visa debit card (not cash card+) or you can apply for a FlexAccount at the same time
3.1% fee
- Shopping
- Travel
- 0% on balance transfers for 20 months
- Ideal for overseas spending
- Commission free foreign transactions
- Simply Rewards scheme - offers on major brands
- Good credit history required
3.1% fee
- 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
Low Interest
Low interest credit cards are advantageous to many cardholders because of how they reduce the cost of borrowing. Your interest rate determines how much you pay on your overflow balance every month. If you want to avoid charges completely, paying off your balance in full at the end of the month is ideal - but if you have an unexpected emergency or a large purchase to make, this isn't always possible. Some low interest credit cards provide holders with low interest at a fixed rate, which means it won't fluctuate unexpectedly.
Dependent on your provider, you may also get a lower minimum payment every month, meaning it will be a lot easier to pay off your balance. Low APR cards are perfect for people who want to spend money that will be paid off at a later date. Not everyone can pay back the full amount on their balance every single month - and with a low interest credit card, you will only be charged a small amount for this convenience. All credit cards have late fees, annual charges, joining fees and the option of added insurance to consider too, and as a result, it's worth shopping around to find the deal that best suits you.
With a fixed low interest credit card, you won't have to keep switching between providers to find the very best deal. Not only does this look bad on your credit rating, but it also costs time and money. Balance transfer fees can be very costly - so when you're looking for a card, make sure the interest is low, to avoid swapping and changing. This type of card is ideal for those who normally pay off all of their balance, but sometimes carry the balance over. It's also good for people who have always paid the full amount on their card, and have no intention of doing otherwise. Our financial situation can adapt rather unexpectedly, and in these cases, you will be grateful of the low interest that some cards provide.
It's important to check whether your credit card is offering low interest rates as part of an introductory offer or a long-term basis, as this could affect your decision. As with all credit cards, you should read the small print when applying, and make sure that you know exactly what your contract entails.