Credit cards Best Rate everyday credit cards
If you spend on your credit card and rarely repay your bill in full, credit cards for everyday use offer a low standard rate for borrowing. They are a viable option if you don't fancy switching between 0% deals.
All credit card providers are obliged to show a representative example, which is the purchase APR in the case of credit cards for every day use. Which? reviews the whole of the market, independently, to provide a comprehensive guide to credit cards.
| Provider | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Reward scheme Reward scheme help | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
Sainsbury's Cashback Low Rate MasterCard  | 7.84% | 24.93% | No Fee | No | 65% |  |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 7.8% (variable), your Representative APR will be 7.8% (variable).
| Provider | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Reward scheme Reward scheme help | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
| Sainsbury's Finance Nectar Low Rate MasterCard | 7.84% | 24.93% | No Fee | No | 65% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 7.8% (variable), your Representative APR will be 7.8% (variable).
| Provider | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Reward scheme Reward scheme help | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
Barclaycard Platinum Simplicity Visa  | 7.9% | 15.8% | No Fee | Yes | 54% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 7.9% (variable), your Representative APR will be 7.9% (variable).
| Provider | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Reward scheme Reward scheme help | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
The Co-operative Bank Platinum Fixed Rate Visa  | 9.9% | 9.9% | No Fee | No | 82% |  |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 9.9% (variable), your Representative APR will be 9.9% (variable).
| Provider | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Reward scheme Reward scheme help | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
NatWest Visa Low Rate Credit Card  | 9.9% | 27.95% | No Fee | No | 57% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 9.9% (variable), your Representative APR will be 9.9% (variable).
| Provider | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Reward scheme Reward scheme help | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
RBS Visa Low Rate Credit Card  | 9.9% | 27.95% | No Fee | No | 52% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 9.9% (variable), your Representative APR will be 9.9% (variable).
| Provider | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Reward scheme Reward scheme help | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
Saga Platinum Visa | 11.9% | 21.5% | No Fee | No | 82% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 11.9% (variable), your Representative APR will be 11.9% (variable).
| Provider | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Reward scheme Reward scheme help | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
Lloyds TSB Advance MasterCard
| 11.9% | 11.9% | No Fee | No | 52% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 11.9% (variable), your Representative APR will be 11.9% (variable).
| Provider | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Reward scheme Reward scheme help | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
MBNA Everyday Credit Card Visa
| 12.9% | 27.9% | No Fee | No | 54% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 12.9% (variable), your Representative APR will be 12.9% (variable).
| Provider | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Reward scheme Reward scheme help | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
MBNA More Rewards Credit Card Visa/Amex
| 12.9% | 27.9% | No Fee | Yes | 54% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 12.9% (variable), your Representative APR will be 12.9% (variable).
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. Customers scores based at brand level.
Customer scores based on a survey of 15,207 Which? Connect online community members carried out between September 2012 and February 2013.
Wherever we display an “APPLY NOW” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Rates tables are compiled by our independent researchers. All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.
Which? Recommended Providers
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.
Which? Warning Poor Satisfaction
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 customer score appears in our Best Rate tables, we'll highlight this with the warning logo. Our customer satisfaction surveys measure overall satisfaction with the provider in relation to credit cards, not individual credit cards offered by the brand. The customer score should therefore not be associated specifically with any individual credit cards. Only customer scores that are significantly below average and fall into our bottom statistical tier receive our warning. Our customer scores are updated every six months.
By naming and shaming providers which customers judge to offer poor satisfaction in these tables, we hope that companies improve their standards.
- For any financial query, call our experts on the Which? Money Helpline
- Take a look at our personal loan reviews
- Do you know your rights when paying by credit card? Find out with our guide
