Credit card with lowest APR Interest rates

Lowest Standard APR

If you're prepared to disregard the temporary attraction of a 0 per cent introductory offer, it is possible to find even cheaper standard rates.

Below is a summary of rates with credit cards with the lowest APR sorted at the top.

Credit Seeker - Search Results

Credit Card Click card for more details or to apply		Promotional Rate for Balance Transfers (Balance transfer fee rates in brackets)	Promotional Rate for Purchases	Cashback	Typical APR (variable)
	Barclaycard Simplicity	6.8% (no fee)	6.8%	-	6.8%

	Halifax All In One	0% for 10 months (3% - min £3)	0% for 10 months	-	15.9%

	Lloyds TSB Airmiles Duo Credit Card Account	0% for 6 months (3%)	15.9%	Get two free flights with the Lloyds TSB Airmiles Duo Credit Card Account. Collect one mile for almost every £10 spent on the Lloyds TSB Airmiles Duo American Express® Card, giving you accelerated earnings. The Lloyds TSB Airmiles Duo MasterCard® Card is accepted in 29.9 million places worldwide and you will collect one mile for almost every £50 spent	15.9%

	Bank of Scotland All In One	0% for 10 months (3% - min £3)	0% for 10 months	-	15.9%

	Virgin	0% for 14 months (2.98%)	0% for 3 months	Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more	16.6%

	MBNA Rate for Life	5.9% for the life of the balance (2% - min £3)	16.9%	-	16.9%

	NatWest Platinum	0% for 16 months (2.9% - min £5)	0% for 3 months	-	16.9%

	UNICEF Charity	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	AA Credit Card	0% for 12 months (3% - min £3)	0% for 10 months	Collect AA Rewards Points and exchange them for a range of motoring products and services	16.9%

	HSBC Bank	0% for 15 months (2.9% - min £5)	0% for 3 months	-	16.9%

	British Heart Foundation Charity	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	WWF Charity	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	RBS Platinum	0% for 16 months (2.9% - min £5)	0% for 3 months	-	16.9%

	Barclaycard Platinum	0% for 15 months (2.9%)	0% for 3 months	-	16.9%

	Sony Card	0% for 12 months (3% - min £3)	0% for 6 months	Collect SonyCard Pulsebeats towards Sony products	16.9%

	MBNA Rewards	0% for 13 months (2.9% - min £3)	0% for 3 months	Collect 1 reward point for every £1 spent. Reward points can be redeemed for travel and entertainment offers or high street vouchers	16.9%

	Dogs Trust	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	RSPCA Platinum	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	Breakthrough Breast Cancer Charity	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	National Trust Charity	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	MBNA Platinum Plus	0% for 13 months (2.9%)	0% for 3 months	-	16.9%

	Egg	0% until September 2011 (3%)	0% until October 2010	Up to 10% cash back at selected online retailers	17.9%

	Express Rewards	17.9% (3%)	0% for 6 months	Earn up to 3 points for every £1 spent at major UK supermarkets, 2 points for every £1 at UK department stores and 1 point for every £1 elsewhere. Exchange points for gift vouchers at favourite high street stores and online retailers	17.9%

	Virgin Purchases	0% for 12 months (2.98%)	0% for 12 months	-	18.9%

	British Airways American Express	-	19.9%	Earn 1 BA Mile for virtually every £1 you spend. BA Miles can be redeemed for flights on British Airways mainline services	19.9%

	NatWest	19.9% (no fee)	4.9% for 9 months	-	19.9%

	Royal Bank of Scotland	19.9% (no fee)	4.9% for 9 months	-	19.9%

	American Express Platinum Cashback	-	19.9%	Up to 5% cashback on purchases	19.9%

	Barclaycard Initial	-	29.9%	-	29.9%

	Capital One Progress	-	34.9%	-	34.9%