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Low Interest Rate Credit Card UK
Low interest rate credit card UK allows you to compare credit cards and find the best rate for your needs. Low interest rate cards are popular for those of you that will not clear the balance in full each month and will carry a balance to the following month. Over the last few years, low interest credit cards have become less of a drawing to consumers. This is due to the numerous options the internet provides and competition between card issues leading to many special introductory transfer rate and purchase rate offers that are normally much lower than the standard low interest rate on a credit card. Therefore many people have chosen to take a card with a 0 APR introductory offer and then transfer the balance to a new card when the offer expires rather then choose a card that has a lower interest rate and a lesser or no introductory offer.
Not looking for low interest rate credit card UK credit cards? You can find a larger selection of cards for all credit ranges at Credit Card UK.
Sainsburys Credit Card |
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- No annual fee
- 0% for the first 12 months on balance transfers
- Up to 59 days interest free on purchases
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| Annual Fee |
Transfer Fee |
Transfer APR |
Intro APR |
Regular APR |
Recommended Credit |
| £0 |
3% |
N/A |
N/A |
15.9% |
GOOD CREDIT |
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Virgin Credit Card |
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- 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
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| Annual Fee |
Transfer Fee |
Transfer APR |
Intro APR |
Regular APR |
Recommended Credit |
| £0 |
2.98% |
0.00% |
N/A |
16.6% |
GOOD CREDIT |
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Vanquis Credit Card |
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- 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
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| 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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Benefits of Low Interest Rate Credit Cards UK
As mentioned above many people opt for the special offers, such as UK credit card 0 interest, rather than a low rate credit card UK. However when determining what is best for you, there are some reasons you may decide a low interest rate card is best for you.
- Obtaining new cards too often can negatively impact your credit, therefore this is not advised for people looking to improve their credit ratings.
- If you are not careful to transfer the balance to a new card when the introductory offer expires you can end up paying high interest rates after the introductory offer runs out. Something that you do not have to worry about with a low interest credit card UK.
- Many introductory offers are conditional on you not missing any payments and your credit score not being negatively impacted. Therefore you must be very careful with all payments, not just to this card, to maintain the special rate.
Due to the above reasons some people feel that there is more certainty and less stress if they opt for the UK low interest credit card. Some cards have the option to transfer a balance and keep the rate until the balance is paid in full. Keep in mind however most cards will pay off the lower interest item on the card first, therefore if you use the card after the balance transfer onto the card it is very likely you will have a balance at a higher standard rate and have to pay off the entire balance to pay it off.
Return From Low Interest Rate Credit Card UK
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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 Rate 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.
This page recently ranked by Google for the terms Low, Interest, Rate, Credit, Card, UK.
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