If you have to pay interest on your credit card, a lower rate (APR) will mean you pay less.

Low APR cards can be useful if you do not want to use a balance transfer but want to keep your costs down when you pay the card off.

What are low APR cards?

The comparison table above shows details of the credit cards with the lowest interest rates. It includes every card that has a representative APR of 12.9% or under.

The representative APR is the standard rate that the card may offer, so it will often apply for as long as you keep the card rather than just for an introductory period.

Find the best credit card in the table above, which includes the representative APR on each card plus details of any balance transfer deals and interest free periods.

What is APR?

Credit card interest rates are shown as The Annual Percentage Rate (APR). This is the interest rate charged on a credit card when you use it to borrow money.

You have to pay interest if you do not pay off the full amount you spend on your card each month. Here is how interest and other credit card charges work.

The lower the APR, the less interest you will have to pay to your credit card company.

What interest rate will you get?

Each credit card shows a representative APR. This is just an example interest rate that must be offered to at least 51% of people who apply for it.

This means that you could be offered a higher interest rate than the APR advertised. Your APR will be decided after you have applied and the credit card company have run a credit check.

Can you get 0% interest?

You can get cards that charge 0% interest for more than two years. This lets you spread the cost of any new purchases you make.

You can also get 0% deals on balance transfers and money transfers.

However, these cards will start to charge interest at a higher APR once their interest free periods end.