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)
	Capital One Plus	14.9% (3%)	0% until August 2010	-	14.9%

	Sony Card	0% for 12 months (3% - min £3)	0% for 3 months	Collect SonyCard Pulsebeats towards Sony products	15.9%

	RSPCA Platinum	0% for 12 months (3% - min £3)	0% for 3 months	-	15.9%

	Dogs Trust	0% for 12 months (3% - min £3)	0% for 3 months	-	15.9%

	WWF Charity	0% for 12 months (3% - min £3)	0% for 3 months	-	15.9%

	Halifax All In One	0% for 9 months (3% - min £3)	0% for 9 months	-	15.9%

	Bank of Scotland All In One	0% for 9 months (3% - min £3)	0% for 9 months	-	15.9%

	Breakthrough Breast Cancer Charity	0% for 12 months (3% - min £3)	0% for 3 months	-	15.9%

	National Trust Charity	0% for 12 months (3% - min £3)	0% for 3 months	-	15.9%

	Virgin	0% for 16 months (2.98%)	0% for 3 months	Virgin cardholders can take advantage of exclusive instant discounts with money off holidays, wine, music, gym membership, DVDs and insurance	16.6%

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

	RBS Platinum	0% for 15 months (2.9% - min £5)	0% for 3 months	-	16.9%

	Egg	0% until March 2011 (3%)	0% until April 2010	Up to 10% cash back at selected online retailers	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%

	NatWest Platinum	0% for 15 months (2.9% - min £5)	0% for 3 months	-	16.9%

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

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

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

	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%

	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%

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

	NatWest	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%

	Capital One Progress	-	34.9%	-	34.9%

	Capital One Classic	-	34.9%	-	34.9%

	Vanquis Visa	-	39.9%	-	39.9%