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UK Credit Cards: Low Interest Cards

No Annual Fee  No Annual FeeLow Interest Cards  Low Interest CardsExcellent Credit Score  Excellent Credit ScoreRewards Cards  Rewards Cards
Student Credit Cards  Student Credit CardsGood Credit Score  Good Credit ScoreShopping Discounts  Shopping DiscountsInstant Approval  Instant Approval
0% Balance Transfers  0% Balance TransfersFair Credit Score  Fair Credit ScorePre-paid Credit Cards  Pre-paid Credit CardsCashback Cards  Cashback Cards
Business Cards  Business CardsPoor Credit / No Credit  Poor Credit / No CreditCharge Cards  Charge CardsAirline Miles Cards  Airline Miles Cards

Low Interest Cards Low Interest Cards. Anyone who has owned a credit card will know that credit card interest rates can vary considerably from card to card. Even the APR (Annual Percentage Rate) for the same card can sometimes seem to be changed on a whim (usually upwards) without much notice - if any at all. So, first of all, no matter what the headline APR (i.e. the rate which is thrust in your face when you sign up) you should take care to find out that it isn't just a special deal for a couple of months, before going up by some astronomical amount. It's only a good deal if the APR stays low.

Nonetheless, regardless of the initial APR, the interest rate is more likely to remain lower if you make sure you pay your bill on time and don't constantly "max out" your card.

The credit cards listed below are listed in order of APR, with the lowest APR cards towards the top of the list. However, although we try to maintain this list as accurately as possible, rates are always subject to change, and so the order below may not always accurately reflect current rates. That said, each of the credit cards below offers consumers a good product, and can be applied for online quickly and easily.

NatWest Private Banking Credit Card

NatWest Bank
The NatWest Private Banking Credit Card is a card which offers a discounted APR, and is exclusively for NatWest Private Banking customers. With an APR around 2% lower than the standard rate on other NatWest credit cards, if you're already a Private Banking customer with NatWest then this card definitely offers you a good deal. Alternatively, for those not already a Private Banking customer of NatWest, then you don't need a Rolls Royce to become a member, it's simply a special service, at a cost of a few pounds a month, which aims to provide customers with top-notch service and a range of special benefits unavailable to mere mortals with ordinary accounts.
NatWest Private Banking Credit Card Details of NatWest Private Banking Credit Card

Halifax All in One Credit Card

Halifax
Halifax All in One Credit Card provides good all-round features to customers wishing to obtain a new credit card, or wishing to transfer balances from other credit cards or store-cards. Apply online today and if you transfer your outstanding balances from other credit or store cards in the first 90 days you'll pay 0% interest for an entire 9 months. All that you pay is a 3% fee; however, this is likely to work out as far less than you'd pay if you kept the balance on your existing cards. With an attractive APR, the Halifax All in One Credit Card provides is a good card.
Halifax All in One Credit Card Details of Halifax All in One Credit Card

Bank of Scotland All In One Credit Card

Bank of Scotland
Bank of Scotland All In One Credit Card provides essentially the same card as Halifax All In One Credit Card, except with different branding, and offers useful features to those wishing to obtain a new credit card, or who wish to transfer balances from store cards or other credit cards. If, in the first 90 days, you transfer your outstanding balances from other credit cards or store cards you'll pay 0% interest for an entire 9 months. All that you pay is a 3% fee, which is likely to work out as far less than you'd pay if you kept the balance on your existing cards.
Bank of Scotland All In One Credit Card Details of Bank of Scotland All In One Credit Card

MBNA Business Credit Card

MBNA
The MBNA Business Credit Card is an ideal credit card for those running a business, or operating as self-employed, and is useful for a number of reasons, including helping you to organise your time and business more efficiently. Being able to see all of your credit accounts at a glance and being able to keep track of your business expenditure in one place, it removes much of the administrative hassle and paperwork that usually ensues when running a business. Separating your business expenses from your personal expenses also makes a great deal of sense, and with a low APR and no annual fee, the MBNA Business Credit Card provides a number of useful benefits to business owners.
MBNA Business Credit Card Details of MBNA Business Credit Card

MBNA Points Credit Card

MBNA
MNBA are the largest credit card provider in the UK, and have a range of credit cards to suit everyone, from cashback cards and business cards to low APR cards with 0% balance transfer fees, and many more. The MBNA Points Credit Card offers customers a range of these benefits too, but additionally provides Rewards Points. However, when redeeming your Rewards Points, unlike some cards, which have many restrictions, you can use to purchase a variety of goods and services, from travel and shopping to entertainment or a selection of fine wines. You can also exchange your points for cash if you wish to.
MBNA Points Credit Card Details of MBNA Points Credit Card

MBNA Business Card with bmi miles

MBNA
The MBNA Business Card with bmi miles is an ideal credit card for those running a business, or operating as self-employed, and is useful for a number of reasons, including helping you to organise your time and business more efficiently. Being able to see all of your credit accounts at a glance and being able to keep track of your business expenditure in one place, it removes much of the administrative hassle and paperwork that usually ensues when running a business. Separating your business expenses from your personal expenses also makes a great deal of sense, and with a low APR and no annual fee, the MBNA Business Card with bmi miles provides a number of useful benefits to business owners.
MBNA Business Card with bmi miles Details of MBNA Business Card with bmi miles

Virgin Credit Card

Virgin Money
Well-known for a range of other financial products, including the Virgin Prepaid Mastercard, the Virgin Credit Card is a Mastercard branded credit card which provides a number of benefits not available with other cards - including free travel accident insurance and free purchase protection insurance. Offering a competitive APR together with no annual fee and up to 50 days interest free on your card purchases, the Virgin Credit Card is a popular choice of card for many consumers, providing the ability to manage the credit card account 24/7, either online or by telephone.
Virgin Credit Card Details of Virgin Credit Card

NatWest Classic Credit Card

NatWest Bank
With dozens of credit card companies - and hundreds of credit cards - to choose from, the choices can often seem bewildering; from free gifts and special introductory rates to travel discounts and rewards points, the list seems to grow and grow, and you can end up not really knowing if you got a good deal or not; after all, the credit card companies need to make their money somehow, right? Well, the NatWest Classic Credit Card should not be too confusing; offering all the standard features that most people want, plus a very competitive APR, but without a plethora of bells and whistles, sometimes less really is more.
NatWest Classic Credit Card Details of NatWest Classic Credit Card

NatWest Platinum Credit Card

NatWest Bank
One of several cards from NatWest, the NatWest Platinum Credit Card is open only to existing NatWest customers, and the offer as described on the NatWest website is only available for application online (i.e. you can't apply for the same offer by post, for example). Although providing a similar APR to the NatWest Classic Credit Card, the NatWest Platinum card does offer a few extra bells and whistles, and if you happen to be NatWest Advantage Gold customer then you are also guaranteed a 1% discount on the APR for which you qualify, for at least twelve months.
NatWest Platinum Credit Card Details of NatWest Platinum Credit Card

RBS Classic Credit Card

Royal Bank of Scotland
The RBS Classic Credit Card is your standard, few-frills, work-horse credit card, providing everything that most people want from a credit card - a reasonable APR, reasonable credit limits, and the security and access to resources that come from a large financial group. So, if you prefer having a better APR than having all kinds of rewards points, benefits that you'll rarely take advantage of, and other perks and frills, then this is a good card for you, and gives you all the tools you need to go about your daily business.
RBS Classic Credit Card Details of RBS Classic Credit Card

MBNA Business Credit Card, with Cashback

MBNA
Authorised and regulated by the Financial Services Authority, MNBA Bank provides a variety of credit card products. The MBNA Cashback Credit Card for Business is exactly what you'd expect - a credit card which is particularly useful for business use, and one where you can also enjoy the benefits of cashback (subject to terms and conditions, that equates to 0.5% cashback on all card purchases and double cashback on fuel purchases.) With the MBNA Business Credit Card you can also make use of unlimited additional cards for employees, where each card-holder can enjoy their own credit limit.
MBNA Business Credit Card, with Cashback Details of MBNA Business Credit Card, with Cashback

Amex Platinum Cashback Credit Card

American Express
With the American Express Platinum Cashback credit card, every time you use your card, it will reward you with cash back, to spend exactly how you choose. Right now American Express is offering an introductory 5% cashback incentive for the first three months. In fact, the Platinum Cashback credit card boasts one of the highest introductory cashback rates on the market, and there is also no annual fee. The online application takes just a few minutes, and you'll get an almost instant decision regarding your application's success within 60 seconds.
Amex Platinum Cashback Credit Card Details of Amex Platinum Cashback Credit Card

Amex Nectar for Business Credit Card

American Express
The American Express Nectar for Business Credit Card has a fairly self-explanatory name and, as you might guess, is a credit card for business use, and one which also earns Nectar points. In fact, with the ability to earn 4 Nectar points on every £1 you spend at participating sponsors, there's rarely been a quicker way to collect Nectar rewards on your business purchases. Many big-name companies are sponsors (BP, Viking Direct, and Hertz, to name but a few), and so if you make regular purchases for your business by credit card, then this particular card is an ideal partner for you.
Amex Nectar for Business Credit Card Details of Amex Nectar for Business Credit Card

NatWest Student Credit Card

NatWest Bank
NatWest offer a variety of credit cards for different needs, and the NatWest Student Credit Card is, naturally enough, designed specifically for students (although anyone aged 18 and over can apply). While there is yet to be a credit card (that we know of) which offers free textbooks and re-reimbursed tuition fees, the NatWest Student Credit Card does offer a few nice features that students may find useful, including discounts on brands such as Firebox.com, kitbag.com and Lonely Planet, as well as the option to pay the monthly credit card bill by direct debit, thus avoiding late fees.
NatWest Student Credit Card Details of NatWest Student Credit Card

RBS Student Credit Card

Royal Bank of Scotland
Royal Bank of Scotland offer a variety of credit cards for different needs, and the RBS Student Credit Card is, as the name suggests, designed specifically for students (albeit anyone aged 18 and over can apply). The RBS Student Credit Card offers a few nice features that students may find useful, including discounts with brands such as Firebox.com, Snapfish, kitbag.com, MyMovieStream and Lonely Planet. The ability to settle the monthly credit card bill by direct debit, and thus avoiding late fees, is also a useful feature, and one that is not always available with some credit cards.
RBS Student Credit Card Details of RBS Student Credit Card

American Express Platinum Business Cashback Card

American Express
The American Express Platinum Business Cashback Card provides all the benefits and features you'd expect from an American Express platinum card, but with this card your business can also take advantage of the savings and offers. A true credit card, as opposed to a charge card, there is a low annual fee for this card (lower than most other cards), you will receive up to 5% cash back on your spending up to £4000 for first 3 months, and even subsequent to that you'll receive 2% on almost every type of purchase. You'll also make big savings at companies such as Hertz and Crown Plaza, and with numerous other business expenses.
American Express Platinum Business Cashback Card Details of American Express Platinum Business Cashback Card

Vanquis Visa Credit Card

Vanquis Bank
Vanquis Bank is a lot different to other lenders, and credit card limits are significantly lower than those of many other lenders. Maintaining a high level of customer contact throughout the life of the account, Vanquis Bank also have higher minimum repayments compared with the majority of other credit card providers, which thus helps customers pay off their credit card balance more quickly. While Vanquis Bank is relatively new, with Provident Financial as its parent, and a long history of success in the home credit industry, you should feel perfectly comfortable signing up with Vanquis.
Vanquis Visa Credit Card Details of Vanquis Visa Credit Card

NatWest Black Credit Card

NatWest Bank
With its minimum of £15,000 credit limit you can guess that the NatWest Black Credit Card is a shade different to most other credit cards. However, although you don't need to be super-rich to apply for this exclusive credit card, the NatWest Black Card is typically available only to UK residents aged 25 years or more and who manage to scrape by on an annual income of £75,000 or more. However, fear not if your income (like most) happens to be below this, as your application may still be accepted so long as NatWest are happy you can repay the minimum £15,000 credit limit.
NatWest Black Credit Card Details of NatWest Black Credit Card

RBS Black Credit Card

Royal Bank of Scotland
With a minimum £15,000 credit limit you can guess that the Royal Bank of Scotland Black Credit Card is not your average, everyday credit card. However, although there are, of course, a few criteria, you don't need to be super-rich to apply for this exclusive RBS credit card. Although, the RBS Black Card is generally available only to UK residents aged 25 and older, and who enjoy an annual income of £75,000 or more, if your income happens to be below this, your application may still be accepted so long as RBS are happy you can accommodate the £15,000 credit limit.
RBS Black Credit Card Details of RBS Black Credit Card


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