Compare theBest Credit CardsCompare UK credit cards to find the best deals for you!
Representative APR (Variable) Credit Card DefinitionPurchases Credit Card DefinitionBalance Transfers Credit Card DefinitionRewards Credit Card Definition
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%20 months
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
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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
15.9%Life of balance
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
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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).
AA Credit Card
AACredit Card
16.9%APR
0%10 months
0%12 months
3% fee
  • Motoring
  • Shopping
  • Vouchers
  • AA Reward Points, earn up to the equivalent of 4% back
  • Use points for motoring, insurance, shopping, cash back, fuel, days out and lots more.
  • 0% on balance transfers for 12 months (3% fee)
  • 0% on purchases for 10 months
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Representative Example: Based on a credit limit of £1,200 charged at 16.9% (variable) p.a. for purchases. Representative 16.9% APR (variable).
Post Office Platinum Credit Card
Post OfficePlatinum Card
16.9%APR
0%3 months
0%14 months
2.98% fee
  • No rewards
  • 0% commission on purchases overseas
  • No cash advance fee with Post Office travel money
  • 0% on balance transfers for 14 months
  • 0% on new balance transfers, 1 per month for up to 5 months
  • You must earn over £15,000 a year
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Representative Example: Based on a credit limit of £1,200 charged at 16.9% (variable) p.a. for purchases. Representative 16.9% APR (variable).

Low Interest Credit Card Deals

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.