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From 0% deals to low standard APR, we cover the whole market

Looking for a credit card with low standard APR? This table shows you The Motley Fool's best deals on low standard APR credit cards. Search, compare and apply online.

Low APR Credit Cards are ideal for people who do not pay off their credit card balance in full every month, but don’t want to get charged the earth as a result. Transferring higher interest debt from other credit cards or even loans can be a cheap and flexible way to consolidate debt.

Compare our top credit cards by category

 
 
Credit card
company 		Balance transfersrate and period?New purchasesrate and period? Representative
APR ?		Loyalty details? Apply
now

Sainsbury's Low Rate Credit Card

Sainsbury's Low Rate Credit Card
No introductory rateNo introductory rate Representative 6.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 6.9% APR (variable). Purchase rate 6.95% PA (variable).

Barclaycard Platinum Simplicity

Barclaycard Platinum Simplicity
No introductory rateNo introductory rate Representative 7.9% APR (variable)

7.9% interest on all purchases and balance transfers. (no handling fee applies).

Representative example: assumed borrowing of £1,200, representative 7.90% APR (variable). Purchase rate 7.90% PA (variable).

Capital One Click Card MasterCard

Capital One Click Card MasterCard
No introductory rateNo introductory rate Representative 9.9% APR (variable)Rewards - Access to eXtras plus, offering discounts on an unlimited basis for six months with selected online retailers such as: 20% off and free delivery with Tedbaker.com, 25% off Travelpack.com, 30% off Zavvi.com, 50% off viagogo.co.uk and new discounts becoming available every three months.
Representative Example: assumed borrowing of £1,200, representative 9.9% APR (variable). Purchase rate 9.94% PA (variable).

Lloyds TSB Advance MasterCard

Lloyds TSB Advance MasterCard
4.9% for 12 months (3% fee)0% for 6 months Representative 11.9% APR (variable)

The Advance Credit Card gives you an introductory purchase offer of 0% interest on your purchases for the first six months and has a very competitive typical 11.9% APR variable.

Representative example: assumed borrowing of £1,200, representative 11.90% APR (variable). Purchase rate 11.95% PA (variable). Lloyds TSB Bank Plc, 25 Gresham Street, London, EC2V 7HN.

Nationwide BS Select Credit Card

Nationwide BS Select Credit Card
0% for 17 months (2.95% fee)0% for 18 months Representative 12.9% APR (variable)Cashback Rewards - Rewards scheme providing savings on major brands including Holiday Inn, Wickes, Butlins, Urban Outfitters, Gourmet Society, Kwik Fit, aka Promotions (West End Theatre) and Virgin Holidays - these offers are reviewed on a regular basis.
Representative example: assumed borrowing of £1,200, representative 12.90% APR (variable). Purchase rate 12.90% PA (variable).

Lloyds TSB Platinum MasterCard

Lloyds TSB Platinum MasterCard
0% for 15 months (3% fee)0% for 3 months Representative 17.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 17.90% APR (variable). Purchase rate 17.95% PA (variable). Lloyds TSB Bank Plc, 25 Gresham Street, London, EC2V 7HN.

Bank of Scotland All in One MasterCard

Bank of Scotland All in One MasterCard
0% for 12 months (3% fee)0% for 12 months Representative 17.9% APR (variable)

The All in One card also offers the following Bank of Scotland extras: No annual fee, cover against online fraud, manage your card online and around the clock service.

Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable). Bank of Scotland, PO Box 23581, Edinburgh EH1 1WH.

Halifax All in One MasterCard

Halifax All in One MasterCard
0% for 15 months (3% fee)0% for 15 months Representative 17.9% APR (variable)

The All in One card also offers the following Halifax extras: No annual fee, cover against online fraud, manage your card online and around the clock service.

Representative example: assumed borrowing of £1,200, representative 17.90% APR (variable). Purchase rate 17.95% PA (variable). Halifax, The Mound, Edinburgh EH1 1YZ. If you are accepted at our highest rate you may not be offered an introductory period.

Foolish Selection

American Express Platinum CashbackAmerican Express Platinum Cashback
5% cashback in the first 3 months up to £100. 1.25% after that, with no limit on how much you can earn.Representative 18.5% APR variable. Based on annual fee of £25 and assumed credit limit of £1,200. Interest rate for purchases: 14.0% p.a. variable.
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