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.
| 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 Low Rate MasterCard  | 6.9% | 24.9% | No Fee | No | 67% |  |
Barclaycard Platinum Simplicity Visa  | 7.9% | 15.8% | No Fee | Yes | 54% |  |
The Co-operative Bank Platinum Fixed Rate Visa  | 9.9% | 9.9% | No Fee | No | 79% | |
Capital One Bank Click MasterCard | 9.9% | 9.9% | No Fee | No | 71% | |
Saga Platinum Visa | 11.9% | 21.5% | No Fee | No | 82% | |
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.
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.