We all use credit cards. The ease and convenience of credit cards is part of everyone's financial day to day activities. So it's obvious that we all want to reduce our costs associated with the use of credit cards. Although there are many way to reduce your credit card costs, the easiest way is to apply and qualify for a low rate credit card. You can save hundreds each month with a low rate card. When you transfer credit card balances from one card to another to take advantage of low introductory or promotional rates can result in significant reduction in interest or finance charges. Similarly, financing purchases with low introductory or promotional purchase rates can result in significant interest savings. At the UK Credit Card Centre, we offer many credit cards with low interest and low APR rates.

** The UK Credit Card Centre has been designated as a Credit Intermediary under the Consumer Credit Directive(CCD) of 2011. The UK Credit Card Centre receives commissions from credit card referrals/applications and credit card sales. The UK Credit Card Centre is regulated by the Financial Services Authority (FSA).

Featured Low Rate Credit Cards

Low Interest Rate, Low APR Credit Cards

Company	Logo	Name	Purchase Rate	Balance Transfer Rate	Representative APR / Annual Interest Rate	Maximum Credit Limit	Fee/Fee Type	Card Info	Card Benefits	Apply
		Barclaycard Platinum Extended Balance Transfer Credit Card	0% interest on purchases for 3 months from account opening	0% interest on balance transfers for 22 months from account opening (3.2% handling fee). Refund offer which reduces handling fee to equivalent of 2.9%.	Representative example 17.5% p.a. (variable) on card purchases. Equivalent to 17.5% APR representative (variable) based on a credit limit of £1200	Minimum credit limit : £250 Maximum credit limit: Subject to status	No Annual Fee		Not only UK's longest balance transfer offer, this card comes with Barclaycard Freedom - you automatically earn Reward Money and can redeem it on a future purchase at selected retailers within the programme. Get More Details
		Virgin Credit Card	0% for 3 months on card purchases* (from the date your account is opened)	0% on balance transfers for 20 months* Rate applies to transfers made in the first 60 days. Handling fee of 2.99% applies.	Representative example 16.8% p.a. (variable) on card purchases. Equivalent to 16.8% APR representative (variable) based on a credit limit of £1200	Minimum credit limit: £0, Maximum credit limit: Subject to status	No annual fee		0% on balance transfers for 20 months*. Remember though, you will need to do this within the first 60 days to receive the introductory balance transfer rate (2.99% handling fee applies). Get More Details
		Barclaycard Simplicity Credit Card	7.9% p.a.	7.9% interest on all balance transfers (no handling fee applies) and on all purchases	Representative example 7.9% p.a. (variable) on card purchases. Equivalent to 7.9% APR representative (variable) based on a credit limit of £1200	Minimum credit limit: £250, Maximum credit limit: Subject to status	No annual fee		Enjoy a low rate of 7.9% on all purchases and on all balance transfers (no handling fee applies). Apply now to start enjoying all the benefits of the Barclaycard Platinum Simplicity credit card Get More Details
		Santander 123 Cash Back Credit Card	0% on card purchases for 1 month from the date your account is opened	0% on balance transfers for 1 month from the date your account is opened (handling fee - up to 5%)	Representative example 18.9% p.a. (variable) on card purchases. Equivalent to 22.8% APR representative (variable) based on a credit limit of £1200	Credit Limit Variable	£24 Annual Fee		With the Santander 123 Cashback Credit Card, you can earn cashback on your everyday spending Get More Details

Low Interest Rate Cards Explained

If your goal is to acquire a low interest credit card, there's more to it than simply applying for a low rate credit card, even if you're smart enough to look past the introductory teaser rates. So no matter the state of the economy or your personal financial situation, credit card companies are always looking and competing for your business.

The credit card you can qualify for is based on your credit score. If your credit score is average, you may still be able to qualify for a low rate credit card. That doesn't mean you qualify for the very lowest APR available, but if you take the time to read all the details this will insure that you don't get fleeced. Most importantly, make sure to read-and understand-the fine print before you apply. Obviously you can not go wrong picking the credit card with the lowest interest rate. But we have noticed over the years that many of our visitors who ask us for the "lowest rate card" are actually looking for the "best credit card". The lowest rate credit card is not necessarily the best credit card available .

There are many different definitions the "low interest rate credit card". For example you have low interest rate cards that offer rewards points redeemable for free airline tickets, Cashback, free hotel stays, free merchandise and even discounted gas for using the card.

Low interest credit cards can save you of money over time. Through lower fees, lower interest rate charges, and fees ! If you aren't carrying balances on your existing credit cards or plan on making long-term purchases, low interest credit cards are a great way to reduce the cost of borrowing. Low interest credit cards are best for people with good to excellent credit..

Barclaycard Simplicity Details:

One low rate that stays that way - 6.8% APR typical (variable).
Applies to every purchase and/or balance transfer you make.
Minimum credit limit: £250, Maximum credit limit: Subject to status.
No annual fee.
Up to 56 days interest free on new purchases if you pay your statement balance in full and on time each month.

Barclaycard Simplicity Approval Criteria:

Have a good credit rating
You have no history of bankruptcy
You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
You have a history of managing credit commitments well i.e. have existing credit and at least 4 years of experience managing credit cards, loans, overdraft or mortgage
You have always made payments on time
Don't already have a Barclaycard
Have had a permanent UK address for 3 months or more
Have a regular income of more than £20,000 pa
Excluding a mortgage, your debt on credit cards or store cards is less than 10% of your income
Are aged 21 or over

Barclaycard Platinum Details:

0% interest on balance transfers for 22 months from account opening (3.2% handling fee). Refund offer which reduces handling fee to equivalent of 2.9% for everyone
0% on card purchases for 3 months.
Representative APR - 17.9% representative variable
Annual Interest Rate - 17.9% p.a. variable
Maximum Credit Limit - £1200
Fee%/ Amount -
Type of Fee - Annual
Go Contactless - Make purchases of £10 and under in an instant wherever you see the wave symbol.
Maximum 56 days on new purchases if you pay in full and on time each month. No interest free period on balance transfers, cash withdrawals or cheques.
Minimum credit limit £250, maximum subject to status.
No Annual Fee.

Barclaycard Platinum Approval Criteria:

Have a good credit rating
You have no history of bankruptcy
You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
You have a history of managing credit commitments well i.e. have existing credit and at least 4 years of experience managing credit cards, loans, overdraft or mortgage
You have always made payments on time
Don't already have a Barclaycard
Have had a permanent UK address for 3 months or more
Have a regular income of more than £20,000 pa
Excluding a mortgage, your debt on credit cards or store cards is less than 10% of your income
Are aged 21 or over

Barclaycard Platinum Benefits:
With Barclaycard Freedom - you automatically earn Reward Money and can redeem it on a future purchase at selected retailers within the programme.

Think about Platinum credit card if you have a good credit rating Virgin Card Details

0% p.a. on balance transfers for 20 months (2.99% admin fee applies)
0% on card purchases for 3 months
Typical rate 16.8% APR (variable)
Discounts on Virgin Holidays and other Virgin products
No annual fee
Manage your account online
Minimum Age: 18 years

Virgin Card Approval Criteria:

You are at least 25 Years of Age
You have a Good Credit History
You are in full time employment
You are a permanent resident/citizen of the UK
You have a Bank or Building society account

Santander 123 Cashback Credit Card Details:

cashback at petrol stations
cashback at department stores
cashback at supermarkets
Representative example 18.9% p.a. (variable) on card purchases. Equivalent to 22.8% APR representative (variable) based on a credit limit of £1200

Santander 123 Cashback Credit Card Approval Criteria:

You have credit card balances of less than £7,500
You're aged 18 or over
You have had a permanent UK address for at least the last 3 years
You do not have a history of bad credit (in other words, county court judgments or bankruptcy)