Low APR credit cards

If you might carry a balance, a lower standard rate matters more than a short promotion. Sorted by representative APR.

9 cards · Sorted by lowest representative APR. Filter & sort in Compare →

Learn before you compare

Costs, rates & APRHow Is Credit Card Interest Calculated? A Simple UK Guide

How UK credit card interest works: interest-free days, what happens if you don't pay in full, cash interest, and simple ways to pay less.

Updated 30 October 2026Costs, rates & APRCredit Card Minimum Payments and Persistent Debt Explained

What happens if you only pay the minimum on a UK credit card, what persistent debt means under FCA rules, and where to get free help.

Updated 30 October 2026Costs, rates & APRCredit Card Fees Explained: Late, Over-Limit, Cash and Foreign Fees (UK)

Every common UK credit card fee explained in plain English: annual, late payment, over-limit, cash, foreign transaction, balance and money transfer fe

Updated 30 October 2026