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Low Interest Credit Cards

There was a time when all cards charged interest at massive rates of 20% or higher, but as more and more credit card issuers have been competing for your business, rates have fallen dramatically.

Our table below shows the typical standard APR of the cards we have reviewed.

Card Standard Rate Comments
MBNA Wigan Athletic %
Capital One Low Rate With Cashback 8.5%
Intelligent Finance Flat Rate Card 8.9% No-nonsense permanently low rate for both purchases and balance transfers
Co-operative Bank Fixed Rate Visa 9.9%
Virgin Shopping Card 10.9% A low-interest card with reward points, aimed at shoppers
Co-op Clear Card 12.9% One low long-term rate for purchases and balance transfers
Co-op Think Card 12.9%
Shelter Flat Rate Card 12.9%
Capital One Platinum 14.9%
Mint Card 14.9%
Barclaycard Flexi-Rate 14.9% Unique card that rewards you for repaying more than the minimum repayment with lower interest rates
Hilton Mastercard 15.9% Platinum card aimed at frequent travellers
Marbles Card 15.9%
Morgan Stanley Platinum Card 15.9%
Virgin Card 15.9% Balance Transfer version of the Virgin Card
Co-op Advantage Platinum 15.9% Donate for free to worthwhile causes, plus discounts on travel and related services
NatWest Classic Card 15.9%
Natwest Gold Card 15.9%
NatWest Platinum 15.9%
Abbey Balance Transfer Card 15.9%
Halifax All In One 15.9% Featuring a long introductory offer on both purchases andbalance transfers
RBS Classic Card 15.9% With travel discounts and wine club membership
Capital One Low Rate Balance Transfer 15.9%
Egg Card 16.9%
HSBC Card 16.9% Includes extended one-year warranty on electrical goods bought with the card
Co-op Travel Card 16.9% Travelcare points, discounted travel insurance and more
AOL Card 16.9% Reduce the cost of your AOL broadband by earning points as you spend
American Express Red 16.9% Your card use generates donations to programs improving the lives of African women and children impacted by HIV and Aids
Barclaycard Platinum Cashback 16.9%
Citibank Shell Mastercard 16.9%
Capital One Balance Transfer and Purchase Card 16.9%
ASDA Credit Card 17.8%
Leeds Building Society Mastercard 17.9%
American Express BA Card 17.9%
American Express Platinum 18.9%
American Express Nectar 18.9% Earn Nectar points when you spend using this card
Natwest Student Card 18.9% A no-frills credit card aimed at students, with very little in the way of extra benefits
Abbey Zero Card 18.9%
Capital One Mastercard 19.9%
Smile Credit Card 20.9% Holders of a Smile current account will get a preferential lower standard rate
Barclaycard Initial 27.9% Very basic card aimed at those with poor credit ratings
Capital One Classic 34.94% High APR card for those with a poor credit rating




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