Low Interest Cards

These credit cards are those charging lowly interest rates in comparison with other cards serving similar niche market. Interest rates are often issued based on credit with high rates going to those having a weak credit history. Finding that special card that's right for you must incorporate searching for card based on rates you can afford. Low interest credit cards listed below are reserved for residents within the U.K.

Sainsbury's Mastercard for Nectar Card Holders

0% for the first 12 months on purchases
0% for the first 12 months on balance transfers (3% BT fee)
No annual fee
Full MasterCard benefits

0%*Intro APR

12 months*Intro Period

15.94%*APR

£0.00*Annual Fee

4.0

Sainsbury's Nectar Credit Card

12.92% p.a. on purchases and balance transfers and no balance transfer fee
0% apr on Balance Transfer for 10 months
No annual fee
Earn Nectar points when you use your Sainsbury's Nectar Credit Card elsewhere - 1 point for every £5 you spend
Optional repayment cover

0%*Intro APR

10 months*Intro Period

12.92%*APR

£0.00*Annual Fee

4.0

Bank of Scotland All in One Card

0% for 10 months on balance transfers made in the first 90 days
0% for 10 months on new purchases
A typical rate of 15.9% APR (variable)
A handling fee of 3% applies for each balance transfer
Master Card benefits package
59 days grace period

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0%*Intro APR

10 months*Intro Period

15.90%*APR

N/A*Annual Fee

4.5

Barclaycard Platinum Simplicity Credit Card

Simply our lowest APR
A low rate on all your purchases
6.8% interest on all balance transfers until paid in full (no handling fee applies)
A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers
With contactless payment technology, a new quick and easy way to pay for purchases of £10 or under
6.8% APR typical (variable)

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N/A*Intro APR

N/A*Intro Period

6.80%*APR

£0.00*Annual Fee

5.0

Sainsbury's Credit Card

Every time you shop at Sainsbury's with your Credit Card we'll give you 2 Nectar points for every £1 you spend in the first 2 years. That's doubling your Nectar points on every Sainsbury's shop when you swipe your Nectar card.
0% for the first 12 months on Sainsbury's shopping
0% for the first 10 months on all other shopping
0% for the first 10 months on balance transfers (+3% fee)
Collect 1 point per £5 when you use your Sainsbury's Credit Card elsewhere
Withdraw cash in over 24 million locations worldwide (fees apply)
Enjoy safe and secure payments with Chip and PIN

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0%*Intro APR

12 months*Intro Period

15.90%*APR

£0.00*Annual Fee

5.0

MBNA 5.9% APR Rate For Life Credit Card

A promotional rate on balance transfers and money transfers - 5.9% for the life of the transferred balances* 2% handling fee for balances transferred in the first 60 days, 3% thereafter (4% for money transfers)
Ideal for rearranging your finances and consolidating loans*
Verified by Visa™
With MBNA Secure
16.9% APR typical rate (variable)
Paperless Statements
Free 24 hour worldwide Customer Satisfaction Helpline

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5.9%*Intro APR

for Life of Balance*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5

BT Retail Credit Card

Every time you spend on your BT Credit Card you'll earn money off your BT bill*
An outstanding introductory card purchase rate of just 0% on petrol station and supermarket spend for 10 months
An outstanding introductory balance transfer rate of 0% for 6 months (2% handling fee applies)
The petrol and supermarket offer is available instore only and includes most major UK supermarkets: Tesco, Sainsbury's, Asda, Morrisons, Waitrose, Iceland, Somerfield, Co-op and Aldi.
16.9% APR typical rate (variable)
Manage your account online
Free 24 hour worldwide Customer Service Helpline

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0%*Intro APR

10 months*Intro Period

16.90%*APR

£0.00*Annual Fee

4.0

Miles & More American Express® credit card from MBNA

Receive a welcome bonus of 1,500 award miles
2 award miles for every £1 you spend during the first 6 months
1.5 award miles per £1 spent thereafter
Redeem your award miles for fabulous rewards including flights, upgrades, hotel stays and much more!
0% on balance transfers for 12 months (3% handling fee)
0% on card purchases for 3 months
16.9% APR typical rate (variable)
No mileage expiration

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0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

5.0

BT Cash Credit Card

Earn money off your BT bill* with the BT Credit Card
0% on balance transfers for 13 months (3% handling fee)
0% on card purchases for 3 months
16.9% APR typical rate (variable)
Online Banking
Fraud Protection

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0%*Intro APR

13 months*Intro Period

16.90%*APR

£0.00*Annual Fee

4.0

MBNA Platinum Plus Dual Credit Card

0% on balance transfers for 10 months from account opening date (3% handling fee.)
0% on all your card purchases for 10 months
0% on money transfers for 10 months
16.9% APR typical rate (variable)
No Annual Fee
Paperless Statements
Fraud Protection

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0%*Intro APR

10 months*Intro Period

16.90%*APR

£0.00*Annual Fee

4.0

American Express Express Rewards Card

18,000 bonus point incentive when you spend £500 a month in your first 3 months
3 points for every £1 spent at major UK supermarkets
2 points for every £1 at UK department stores
1 point for every £1 elsewhere
0% on purchases for the first 6 months
No annual fee
17.9% APR

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0%*Intro APR

6 months*Intro Period

17.90%*APR

£0.00*Annual Fee

4.5

Tesco Credit Card

0% interest for 13 months on ALL purchases from account opening
0% interest for 9 months on balance transfers from account opening (2.9% fee)
A faster way to collect Clubcard points - 1 point awarded per £4 spent
Your way to collect Clubcard points
Apply online for an instant decision
A defaqto 5 star rating for excellent quality

0%*Intro APR

13 months*Intro Period

16.90%*APR

£0.00*Annual Fee

5.0

Lloyds TSB Platinum Credit Card

0% interest on balance transfers for 12 months* (3% fee). Minimum spend of £100 in first three months applies to balance transfers
0% interest on purchases for 3 months
15.9% APR typical variable
No annual fee
Extra security including chip and PIN technology, and fraud loss guarantee

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0%*Intro APR

12 months*Intro Period

15.90%*APR

£0.00*Annual Fee

4.5

MBNA Retail Rewards American Express® Credit Card

A long term card purchase rate of 0% p.a for 12 months on every card purchase
A card purchase rate of 0% p.a for 6 months
Typical rate 16.9% APR variable
Access to a fantastic rewards programme
Earn 1 point for every £1 you spend

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0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5

RSPCA Credit Card

For more than 180 years the RSPCA has been working to relieve the suffering of animals. Take out an RSPCA card today and MBNA Europe Bank Limited, the card issuer, will make a payment of £20 to the RSPCA. After that, for every £100 spent on card purchases, we receive 25p and it won't cost you a penny extra.
As little as £3 can help to pay towards our animal rescues, £10 could help to pay for treatment of an abused animal and £25 could help to pay for a loving new home for an abandoned kitten. With the RSPCA Credit Card, it’s not only the animals we rescue that benefit. Read on to find out more about how you could also benefit.
0% on balance transfers for 12 months (3% handling fee)
0% on card purchases for 3 months
16.9% APR typical rate (variable)
No Annual Fee

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0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5

e-Platinum Plus Shopping Credit Card

Platinum Privileges
0% APR Fixed forever
Guaranteed approval
No Credit check
£5,000 credit line
60 Second application
No minimum income required

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£10.00Opening Min

N/A*App Fee

N/A*Annual Fee

N/AATM Fee

3.5

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