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Low Interest Credit Card UK

Low interest credit card UK provides the ability to search low and 0% interest UK credit cards, find the one that is right for you, and apply online. Typically these cards are used for a large purchase or a balance transfer. Offers are often available to

Not looking for low interest credit card UK credit cards? You can find a larger selection of credit cards of all types at Credit Card UK.

Sainsburys Credit Card
 Sainsburys Credit Card UK
  • No annual fee
  • 0% for the first 12 months on balance transfers
  • Up to 59 days interest free on purchases
Apply Now
Annual Fee Transfer Fee Transfer APR Intro APR Regular APR Recommended Credit
£0 3% N/A N/A 15.9% GOOD CREDIT

Virgin Credit Card
 Virgin Credit Card UK
  • No annual fee
  • 0% APR on balance transfers for first 15 months
  • 0% APR on purchases for first 3 months
  • Excellent discounts on Virgin items
Apply Now
Annual Fee Transfer Fee Transfer APR Intro APR Regular APR Recommended Credit
£0 2.98% 0.00% N/A 16.6% GOOD CREDIT

Vanquis Credit Card
 Vanquis Credit Card UK
  • No annual fee
  • A credit limit assigned at a fixed amount to help you stay in control
  • Up to 56 days interest free on purchases
Apply Now
Annual Fee Transfer Fee Transfer APR Intro APR Regular APR Recommended Credit
£0 3% N/A N/A 39.9% BAD CREDIT


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There are three important points to note when consider low interest UK credit cards. One is that low interest rates can jump dramatically if you miss your payments on your low interest credit card or any other payment that may negatively impact your credit rating. As with any credit card, be sure to read your contact, terms related to interest rate adjustment can be found in the contracts for the low interest credit card UK and UK credit card 0 interest cards.

Second is that low interest offers are generally fixed term in that they expire after 6-18 months. Some cards offer a rate slightly higher rate that will last until you pay off the purchase, or balance transfer, as long as you maintain your credit rating and make on time payments. However the low interest rate only applies to that particular balance, if you purchase something else or transfer an additional balance it is normally at a higher rate.

Third point is that banks are getting better at ensuring they make some money off every card offered. For 0 interest cards, they typically charge balance transfer fees of 3% if you transfer a balance. At one time there were offers with no transfer fee but those times are past. Now some offers cap the transfer fee but some charge a full 3% on the entire balance transferred.

Although 0 interest UK credit cards and low interest UK credit cards can be temptiong, they are not for everyone. If you are type of person that clears your balance every month you may be better off with a UK reward credit card where you can earn cash back rewards or earn airline miles.

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* Credit card terms and conditions change frequently, although reasonable efforts have been made to maintain accurate information on the Low Interest Credit Card UK page, we do not guarantee accuracy. Once you have located a credit card you are interested in click the “Apply Now” button and review the terms and conditions provided on the issuers website for the latest information.

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