"It just takes a minute to complete and submit your Low Interest Credit Card UK application"
Why choose a low interest rate/APR credit card?
Low interest credit card is a good choice for people who plan to maintain a balance on their account and may not pay the full amount monthly due to tight financial budget.
Some of the low interest credit cards listed here have zero intro rate for balance transfer. This is a good deal if you carry high balances on other cards and need to transfer the balance.
Safe and secure online application with SSL encryption technology.
Get your low interest rate credit cards in UK offers and save hundreds on your account balances interest today!
WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply,
click on the link next to the card of your choice and a new window will be opened for you.
If you love shopping online, the Click Card is designed for you
The credit card for people with a very good credit history
Exclusive access to great brand discounts with eXtras plus
With eXtras plus, we'll treat you to exclusive online discounts with leading fashion, travel and lifestyle brands.
Enhanced security
9.9% p.a. variable on purchases, balance transfers and cash withdrawals
No annual fee
Identity Theft Protection
Online account management with paperless statements
You can pay your bill online by accessing your account anytime, anywhere. You can also set up a monthly email alert to remind you when your payments are due.
Up to maximum 56 days interest free period for purchases where the balance is paid in full every month.
Free Purchase Protection Insurance
For peace of mind many of the things you buy are now covered against loss, damage or theft for 100 days after purchase with this free insurance.
Add up to 3 extra cardholders to your account
You can give your partner, a member of your family or even a close friend a credit card on your account. When you already have so many bank and card accounts to manage, this is a great way of keeping your finances in one place.
Apply now and get a response in 60 seconds
Representative example
Assuming a credit limit of £1,200 and an interest rate on purchases of 9.94% p.a. variable, you will receive a 9.9% APR representative variable.
Why choose the Click Card
Designed for people who want more rewards and enhanced security while doing what they love most - shopping online!
The Click Card gives you unlimited access to exclusive rewards with leading fashion, travel and lifestyle brands and provides enhanced security to keep your card protected. We'll also send you new and exciting discounts every three months.
Although it's designed for online shopping you can also use your Click Card on the High Street like any other credit card. Don't forget, Click Card has our lowest APR on purchases too.
7.9% interest on all balance transfers (no handling fee applies) and on all purchases
A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers.
With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under
No annual fee
Representative 7.9% APR (variable)
Up to 56 days interest free from the date of the transaction on new purchases if you pay your statement balance in full and on time each month
Get into whatever you’re into – Barclaycard Unwind puts some of the best live music at your fingertips. You’ll have easy access to some of the hottest tickets as well as live sessions, news, reviews and more.
Identity Protection Service - advice about protecting yourself from identity theft
Safer shopping with Fraud Monitoring including Chip and PIN and monitoring your account for unusual spending
Purchase Delivery Protection peace of mind against loss or damage to goods ordered and delivered from UK suppliers online, over the phone using your Barclaycard (second-hand goods and services excluded)
Worldwide Assistance - emergency help when travelling abroad
Travel Service- pay with your Barclaycard and you'll get great deals on thousands of destinations worldwide
Mybarclaycard - register and manage your account online, switch to paperless statements, set-up direct debits, track your spending and much more.
Emergency Card Replacement and Cash Advance - replacement card and cash advances if your Barclaycard goes missing
Text alerts five days before payment is due (opt in required)
24 hour Customer Service Assistance
Representative Example:
Representative 7.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 7.9% p.a. (variable)
A flexible credit card with a choice of introductory offers
The Nationwide Credit Card could save you money whether you're looking to transfer a balance or make purchases. We're offering a choice of introductory offers so that you can choose the one which suits your needs.
Key features and benefits
Choice of introductory offers* - Choose from 0% on balance transfers for 17 months plus 0% on purchases for 3 months or 0% on purchases for 6 months.
Commission-free purchases abroad - we will reward you every time you use your card for purchases in pounds sterling with commission-free purchases abroad.
Fraud Protection Guarantee - including round the clock account monitoring and the latest card and system protective technologies.
No annual fee.
Representative 15.9% APR (variable)
Interest free period - Maximum 56 days for purchases if you pay your total balance on your statement, including any balance transfers, in full and by the due date.
UK call centres - With UK call centres it's easy to manage your credit card with us.
Manage account online - Manage your account when and where it suits you. Log on to check your balance, view statements and much more.
*Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 2.95% (minimum £5.00).
Representative Example:
Representative 15.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 15.9% p.a. (variable)
Rewarding our shoppers
With a Sainsbury's Credit Card, Sainsbury's shoppers with a Nectar card† can enjoy 0% for the first 12 months on all shopping and balance transfers (3% BT fee applies).
0% for the first 12 months on all purchases
0% for the first 12 months on balance transfers (3% BT fee applies)
No annual fee
Representative example: Representative example: Purchase rate is 16.94% p.a. variable, with a representative 16.9% APR variable based on borrowing £1,200 and repaying over 12 months.
*Must have swiped your Nectar card in store in the last 6 months. We may check your Nectar account to verify this.
To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit.
Personal pricing
As we treat all our customers and their applications on an individual basis, the APR and the interest rates we offer are determined by the details you supply, along with an independent verification of credit and repayment history.
Love managing your money online?
No problem. When you apply, you'll be able to register for our secure online banking service. You can also view transactions, make payments and much more.
If you want a card that gives you a great introductory offer on both balance transfers and purchases then look no further. The All in One Credit Card offers a fantastic 0% for 12 months on purchases and on balances transferred within the first 90 days (3% balance transfer fee applies).
0% for 12 months on balance transfers made in the first 90 days
0% for the first 12 months on purchases with your Bank of Scotland All In One Credit Card.
Representative 17.9% APR variable
A handling fee of 3% applies for each balance transfer
No annual fee
No interest will be charged on purchases if every statement balance is paid in full by the payment date
Cover against online fraud when purchasing on the Internet
Accepted wherever you see the MasterCard sign in over 24 million locations worldwide
Card replacement if lost
Additional Cards available
Around the clock service
Manage your card online
Choice of 5 card colours - Black, Pink, Red, White and Blue
To benefit from the 0% rate you must stay within your credit limit and make your payments on time. Balances transferred from other Bank of Scotland or Halifax cards are not eligible for the 0% balance transfer offer.
Representative Example:
Based on borrowing £1,200 and repaying over 12 months
the representative rate would be 17.9% APR(variable).
The purchase rate is 17.95% pa (variable).
If you want a card that gives you a great introductory offer on both balance transfers and purchases then look no further. An amazing 15 months interest free on both balance transfers and purchases for the majority of our customers*
0% for up to 15 months on balance transfers* (3% fee applies)
A long introductory interest free period to help you manage your existing credit
0% for up to 15 months on purchases*
To help spread the cost of any new purchases
Representative Example: Based on borrowing £1,200 and repaying over 12 months the representative rate would be 17.9% APR (variable). The purchase rate is 17.95% pa (variable).
A handling fee of 3% applies for each balance transfer
No annual fee
No interest will be charged on purchases if every statement balance is paid in full by the payment date
Cover against online fraud when purchasing on the Internet
Accepted wherever you see the MasterCard sign in over 31 million locations worldwide
Card replacement if lost
Additional Cards available
Around the clock service
Manage your card online
Choice of 5 card colours - Black, Pink, Red, White and Blue
*The majority of customers will be offered our best rate of 17.9% APR representative (variable) and 0% for 15 months on balance transfers and purchases. Other customers will receive a 0% introductory offer of 13 or 11 months.
To benefit from the 0% rate you must stay within your credit limit and make your payments on time. Balances transferred from other Halifax or Bank of Scotland cards are not eligible for the 0% balance transfer offer.
Representative Example:
Based on borrowing £1,200 and repaying over 12 months
the representative rate would be 17.9% APR(variable).
The purchase rate is 17.95% pa (variable).
When you take out a Virgin Credit Card, you get more than just a nice piece of plastic.
0% p.a. on Balance Transfers for 20 months*(Rate applies to transfers made in the first 60 days. Handling fee of 2.99% applies).
0% p.a. on Card Purchases for 3 months from the date your account is opened.
Voted best credit card for balance transfers. Moneyfacts Awards 2008 - Winner Best Credit Card Provider (Balance Transfer Rate).
No annual fee.
Representative 16.8% APR (variable)
Manage your account online or over the phone 24/7
Contactless payments - a quick & easy way to pay for purchases of £15 or less
Pay less interest on your balance
Awesome discounts like 5% off Virgin Holidays, discounted high street vouchers and more…
FREE Purchase Protection Insurance
FREE Travel Accident Insurance up to £100,000
Up to 50 interest-free days on card purchases if you pay your statement balance in full and on time every month
Representative Example:
16.8% p.a. (variable) on card purchases. This is equivalent to 16.8% APR representative (variable) based on a credit limit of £1,200.
* From the date your account is opened. Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions.
The Virgin Credit Card is promoted by Virgin Money Limited and issued by MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. Credit is available, subject to status,
only to UK residents aged 18 or over. As the Virgin Credit Card is issued by MBNA you can't transfer a balance from another credit card issued by them. We will monitor or record some phone calls. MBNA is authorised and regulated by the Financial Services Authority.
Please note: This product is currently only available to existing HSBC current account customers.
Enjoy a credit card with a wide range of benefits, including interest-free introductory deals, emergency cash advances and holiday discounts.
0% for 23 months on balances transferred within 30 days of you opening your account. 3.3% balance transfer fee applies, minimum £5.
0% on purchases for 3 months from account opening
Representative 17.9% APR variable
No annual fee to pay
Free additional credit card for partners or family members over 18.
Up to 8% discount on Thomas Cook holidays booked through the HSBC Travel Club.
Up to 56 days' interest-free period available when you pay your whole credit card balance in full and on time.
Convenience and flexibility – pay your bills and manage your credit card online using Internet Banking, over the telephone or at your local branch.
Free additional credit card for your partner or other family member over 18.
Zero online fraud liability - for online transactions that were undertaken without the customer’s authority.
Advanced fraud detection systems - state of the art technology which monitors accounts for signs of any unusual activity in order to protect customers from fraud.
MasterCard® SecureCode™ - register for a private code which gives you added protection against unauthorised use of your card when you shop at participating online merchants.
Global assistance - card replacement service and emergency cash advance if the customer’s card is lost or stolen abroad
In order to apply for an HSBC Bank Credit Card you need to:
Have an HSBC current account.
Pay more than £500 monthly into your current account and have a salary of £8,500 or more. If you're a student account holder you don't need to pay a minimum amount or salary into your account.
Representative example:
based on an assumed credit limit of £1200, our 17.9% p.a. rate for purchases gives a representative rate of 17.9% APR variable.
Safe and secure online application with SSL encryption technology.
All card applications are strictly confidential.