Compare Low Rate Credit Cards
- Which? Money Compare displays all available credit card deals from providers large and small, whether we get paid commission or not. It makes no difference to how the credit cards appear in our tables, meaning you’ll always be able to stay in control and find the best deals for you, not us.
- These are the companies that combine competitive deals with excellent customer service, and have been awarded Which?'s coveted Recommended Provider status.
Benefits
There are no introductory offers that expire after a limited period — the low rate lasts for the lifetime of the card.
Pitfalls
Interest charges can mount up if you don't pay off your balance in full.
Terms Explained
Representative APR (variable)
The interest rate for borrowing that at least 51% of the customers accepted will pay.
Which? Customer Score
Which?'s rating for customer satisfaction, based on feedback from thousands of real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand to a friend.
Reward scheme
Whether rewards are paid on your spending with the credit card.
Purchase interest p.a.
The annual interest rate you'll pay on new purchases after the interest-free deal ends.