Compare Standard Purchase Rates

Find the best low APR credit cards with cheap standard interest rates. We help you to compare the best low interest credit card deals so that you save money on your interest payments and know where you stand. Complete an application and apply online today. (UK only)

Standard APR Credit Cards

Displaying 1 to 20 of 254.
CompareBalance Transfers Intro Purchases Typical APR (variable) Instant Decision 
Rate Duration Fee Rate Duration
Most Popular
Capital OneCapital One Low Rate Credit Card With Cashback
Extra Info   Full Details
NO balance transfer fee, 8.5% variable for life of balance. Plus 0.5% cashback on purchases.
Apply
8.6%--8.6%-8.5%-
BarclaycardBarclaycard Flexi-Rate 10% Repay
Extra Info   Full Details
Lower your purchase rate to 9.9% APR if you make a minimum payment of 10% each month. 14.9% APR Typical.
Apply
0%14 months2.9%0%3 months9.9%-
The Co-operative BankThe Co-operative Bank Platinum Fixed Rate Credit Card
Extra Info   Full Details
Rate remains fixed for 5 years. Minimum £5k credit limit. Platinum privileges.
Apply
9.9%--9.9%-9.9%-
BarclaycardBarclaycard Platinum With Balance Transfer
Full Details
Apply
0%01 Nov 20092.9%0%3 months14.9%Yes
BarclaycardBarclaycard OnePulse Credit Card with BT
Extra Info   Full Details
In-built Oyster card for the cheapest way to travel in London.
Apply
0%14 months2.9%0%3 months14.9%Yes
BarclaycardBarclaycard OnePulse Credit Card with Purchase
Extra Info   Full Details
In-built Oyster card for the cheapest way to travel in London. Make Cashless payments too.
Apply
14.9%--0%6 months14.9%Yes
MBNAMBNA Platinum Card
Extra Info   Full Details
Apply for an Instant Decision!
Apply
0%14 months2.9%0%3 months15.9%Yes
VirginVirgin Credit Card
Extra Info   Full Details
Can't wait to get a credit card? They could give you a decision online right now.
Apply
0%15 months2.98%0%3 months15.9%Yes
MBNAMBNA Platinum Rewards Card
Extra Info   Full Details
Earn 1 Reward point for every £1 you spend & redeem them on flights, shopping vouchers & more
Apply
0%01 Oct 20092.9%0%01 Dec 200815.9%Yes
NatWestNatWest Classic Card
Extra Info   Full Details
Take advantage of their Travel Club and Wine Club. Apply now for an instant decision.
Apply
0%13 months2.9%0%6 months15.9%Yes
Lloyds TSBLloyds TSB Platinum MasterCard
Extra Info   Full Details
Minimum spend of £100 in the first 3 months applies.
Apply
0%14 months3%0%3 months15.9%No
MBNAMBNA American Express Rewards Credit Card
Extra Info   Full Details
Earn 1 Reward point for every £1 you spend, then redeem them on travel, wine & more.
Apply
0%12 months3%0%3 months15.9%Yes
bmibmi Amex Credit Card
Extra Info   Full Details
20,000 free destinations miles with your first card purchase (enough for a return flight to Spain or Italy!)
Apply
0%12 months3%0%3 months15.9%-
Post OfficePost Office Two In One Platinum Credit Card
Full Details
Apply
0%10 months2.75%0%3 months15.9%-
MBNAMBNA SonyCard
Extra Info   Full Details
Receive 3000 FREE Sony Card Pulsebeats, plus extra every time you spend.
Apply
0%12 months3%0%3 months15.9%-
Alliance and LeicesterAlliance and Leicester Credit Card (Internet only)
Extra Info   Full Details
0% on balance transfers in the first from the date your account is opened. No annual fee.
Apply
0%12 months3%0%3 months15.9%No
RBSRBS Classic Card
Extra Info   Full Details
Get 0% on balance transfers for 13 months (2.9% fee applies).
Apply
0%13 months2.9%0%6 months15.9%Yes
Capital OneCapital One Balance Transfer and Purchase Platinum Card
Extra Info   Full Details
Free Identity Theft Service.
Apply
0%01 Dec 20093%0%01 Dec 200816.9%-
BTBT Credit Card
Extra Info   Full Details
Earn money off your BT bill
Apply
0%12 months3%0%3 months16.9%Yes
EggEgg Visa Credit Card
Extra Info   Full Details
Plus 0% anniversary offer for up to five months on balance transfers (plus fee*) made in Aug 2010 & Aug 2011.
Apply
0%01 Oct 20093%0%01 Nov 200816.9%Yes
ArrowCompareCompare details 'side by side' of up to 3 credit cards at a time.
Displaying 1-20 of 254 credit cards that meet your search criteria.
Products listed under 'Most Popular' are the most popular products that can be applied for via money.co.uk.

Read More About Credit Cards...

Latest Credit Cards News

View credit cards articles or all articles.
37% of Students Have Credit Cards, Survey Reveals
37% of Students Have Credit Cards, Survey Reveals

The average amount of money owed on the cards exceeds £220, with females in deeper debt than males.

27 Aug 08
Reward Card Industry Has 'Work to Do'
Reward Card Industry Has 'Work to Do'

The bonus schemes' advertising is often unclear and the rewards themselves are paltry, according to Sainsbury's.

26 Aug 08
MBNA Announces Minimum Payment Increases
MBNA Announces Minimum Payment Increases

The provider says that the hike in payments will get more cardholders out of debt sooner.

26 Aug 08
Data Leak Reported by eBay Customer
Data Leak Reported by eBay Customer

Personal details contained on a computer hard drive have been made public - after they were sold on eBay.

26 Aug 08
APACS Criticises New CPP Card Fraud Report
APACS Criticises New CPP Card Fraud Report

The introduction of chip and PIN in Spain and France makes using your card in these countries safer than before, the payments association has pointed out.

22 Aug 08

Popular Related Articles

Teenage boy on computer
15 Jul 0811 Year Old Brits Can Now Buy Cigarettes, Alcohol, Porn and Drugs OnlineAs a 15 year old uses his brand new debit card to order cigarettes, alcohol, pornography and Viagra over the internet we ask whether children are responsible enough to have this kind of financial freedom.

Other Money Headlines

MP Promises to Battle Government over Energy Policy
29 Aug 08MP Promises to Battle Government over Energy PolicyRebel MP Frank Field wishes to mobilise backbench support in encouraging the government to help poor customers.

Credit Card Interest Rates Explained

By Michael Saunders
Published on 12 Aug 2007
AddThis Social Bookmark Button
Add RSS Feed RSS Feed
We explain why choosing a credit card with a low standard interest rate is so important

Standard interest rates relate to the typical APR a card provider charges on both balances and purchases. It is important to check the standard interest rate of a card before you sign up, especially for those that offer an introductory period of interest free credit as it is at this rate that you will be paying interest after the initial deal expires.

By choosing a card that offers a low standard APR on both balances and new purchases you can reduce the amount of interest you pay and help to manage and pay off the amount you owe. Credit cards with flexible standard interest rates are becoming more popular as they reward you for making more than just the minimum payment each month by lowering the standard interest rate the more you pay off.

[Back to top of article]

If you pay the balance on your credit card off in full each month, the standard interest rate is not that important as you avoid paying interest at all. Instead you should choose a card that offers benefits such as air miles and cashback or gives donations to charity each time you use your card.

RSS FeedCredit Cards News
37% of Students Have Credit Cards, Survey Reveals
27 Aug 08
37% of Students Have Credit Cards, Survey Reveals
Reward Card Industry Has 'Work to Do'
26 Aug 08
Reward Card Industry Has 'Work to Do'
MBNA Announces Minimum Payment Increases
26 Aug 08
MBNA Announces Minimum Payment Increases
more news
Comparison Tables
RSS FeedLatest Headlines
MP Promises to Battle Government over Energy Policy
29 Aug 08
MP Promises to Battle Government over Energy Policy
Student Wins Bike Insurance Battle
29 Aug 08
Student Wins Bike Insurance Battle
Northern Rock Announces Job Cuts
29 Aug 08
Northern Rock Announces Job Cuts
B&B Weakened by 'Appalling' First-Half Results
29 Aug 08
B&B Weakened by 'Appalling' First-Half Results
Capital Gains Tax Changes Hailed by Landlords
29 Aug 08
Capital Gains Tax Changes Hailed by Landlords
more news
Free Services Weekly Money Email
The Week's Biggest Money News and Money Saving Tips sent directly to your inbox...
Enter your email:
Find Companies Credit Cards Guide RSS Feeds - Subscribe!
RSSLatest Money News & Money Saving Tips

What are RSS feeds?
Site Map | Privacy Policy | About Us | Contact Us
money.co.uk is a trading name of Dot Zinc Limited, who are authorised and regulated by the Financial Services Authority. FSA Registration Number: 415689.
Copyright © www.money.co.uk / Dot Zinc Limited 2002-2008. All rights reserved.
Home | Login | Sign Up