Credit Cards - Low APRs

Best Buys are updated weekly

We look across as much of the market as possible to find the best deals using industry data from Defaqto.

All our picks are nationally available - online, by post or by phone. We try and pick products that are available to both new and existing customers, but we’ll highlight some offers for existing customers if they’re much better than what else is on offer.

We select accounts which charge the lowest APR. We prioritise cards that do not charge a monthly fee.

We reserve the right to use our discretion at all times.

197 results for this selection displayed over 20 pages.

Moneywise Best Buys

Best Buys are carefully selected by Moneywise
considering a range of features not just interest rates.


  • FlexiCard

    Halifax
    6.4 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 3 months
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 6.4% APR variable. Based on assumed borrowing of £1200. Rate of interest 6.45% (variable) annual.
  • Platinum Low Rate Credit Card

    Lloyds Bank
    6.4 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 3 months
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 6.4% APR variable. Based on assumed borrowing of £1200. Rate of interest 6.45% (variable) annual.
  • Low Rate Credit Card

    Bank of Scotland
    6.4 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 3 months
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 6.4% APR variable. Based on assumed borrowing of £1200. Rate of interest 6.45% (variable) annual.
  • Low Rate Platinum Card

    Barclaycard
    6.9 %
    Representative APR
    • No 0% money transfer offer
    • No 0% balance transfer offer
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 6.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 6.9% (variable) annual.
  • Advance Credit Card

    TSB
    7.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 3 months
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 7.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 7.94% (variable) annual.
  • Advance Credit Card Ex/C

    TSB
    7.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 3 months
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 7.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 7.94% (variable) annual.
  • MBNA 5 Credit Card

    MBNA Ltd
    8.9 %
    Representative APR
    • 0% Money transfer period: 60 months
    • 0% Balance transfer period: 60 months
    • Cashback / Rewards
    • 0% Money transfer fee: 0.5 %
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 8.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 8.9% (variable) annual.
  • Credit Card

    B
    9.9 %
    Representative APR
    • No 0% money transfer offer
    • No 0% balance transfer offer
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 9.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 9.9% (variable) annual.
  • Platinum Credit Card

    Saga
    11.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 9 months
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 11.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 11.29% (variable) annual.
  • Flat Rate Credit Card

    Woodland Trust
    12.9 %
    Representative APR
    • No 0% money transfer offer
    • No 0% balance transfer offer
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.9% (variable) annual.

Data provided by Defaqto