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Credit cards Best Rate everyday credit cards

If you spend on your credit card and rarely repay your bill in full, these cards offer a low standard rate for borrowing. If you don't fancy switching between 0% deals, these could be the credit cards for you.

ProviderPurchase APR Purchase APR helpCash withdrawal APR Cash withdrawal APR helpAnnual card feeReward scheme Reward scheme helpCustomer score Customer score helpFind out more
       
Sainsbury's Finance Low Rate MasterCard 6.9%24.9%No FeeNo67%Visit site
Barclaycard Platinum Simplicity Visa Barclay Card7.9%15.8%No FeeYes54%Apply now
The Co-operative Bank Platinum Fixed Rate Visa

Which? recommended provider
9.9%9.9%No FeeNo79%Visit site
Capital One Bank Click MasterCard
Capital One
Which? recommended provider
9.9%9.9%No FeeNo71%Apply now
Saga Platinum Visa

Which? recommended provider
11.9%21.5%No FeeNo82%Apply now

Help

Purchase APR

The interest rate you'll pay on new purchases.

Back to Purchase APR in money table

Cash withdrawal APR

The interest rate you'll pay if you use the card to withdraw cash from an ATM.

Back to Cash withdrawal APR in money table

Reward scheme

The percentage of your spending that you'll receive as cashback or reward points.

Back to Reward scheme in money table

Customer score

Which? member score based on customer satisfaction and likelihood of recommending company to friend/family member.

Back to customer score in money table

Which? Recommended Providers and Which? warning

Which? Recommended Providers are companies that are both rated highly by our members and have products that meet the high standards of our researchers. Which? closely monitors the products and practices of all Recommended Providers and reserves the right to exclude any company that does not treat its customers fairly. Follow the link for a full list of WRPs.

We also understand that for many people, finding products with the best rate is a priority. But where a product from a provider with a poor service score appears in our Best Rate tables, we'll highlight this with the warning logo. By naming and shaming providers which customers judge to offer poor satisfaction in these tables, we hope that companies improve their standards.