Please
note: The interest rates, APR calculations, charges,
awards and other conditions applying to credit cards on these
pages may be changed by the card providers at any time.
Low Interest, Interest Free UK Credit Cards
Switch your credit card
balance to a card that offers a lower rate of interest?
Well, why not?
One of the ways card issuers are attracting
business is, of course, by lowering the interest
rates they charge.
Cards that offer fringe benefits
up front, 0% balance transfer, three months' free shopping,
and the like, often have a higher final average
interest rate (APR) for the year.
However, some card issuers, aggressively
pursuing market share, combine great benefit deals with
low APRs.
Compare rates online for a cheap UK credit card
Click on any of the cards below and
then select its name by scrolling the menu box.
We strongly recommend you then run a comparison
by selecting the default choice of "Any",
it may find you a far better deal . . .
Our pick of the best:
Egg —
egg.com, majority owned by Prudential
PLC, began life as an online financial company. The company
obtained one of the first online banking licenses and have
over 2 million online customers. Egg's French operation
was for a long time troubled, but the little bank kept fighting,
and looks like showing a profit in 2004.
What's all this got to do with credit
cards? It means that Egg is aggressive, innovative and open
to ideas . . . in other words, low interest charges, among
many other things. APR of 13.9% undercuts most contenders.
Click on the
card below and compare . . .
Marbles —
Marbles credit card is an online
credit card ( apply online and manage your account online)
HFC bank is the Marbles issuer, and
one of the largest credit card issuers in the UK. This means
a 24 hour customer service line that allows you to make
changes to your account any time.
Marbles offers a rate of 0% for 6
months, not only on balance transfers like some credit cards
but also on purchases. They also guarantee that if you are
defrauded online marbles will refund the difference – no
quibbles.
Marbles credit card also gives you
internet delivery insurance so if something you buy online
goes missing in the post you get your money back.You can
choose from 4 funky card designs.
APR of 14.9% compares well in the
field.
Click on the
card below to compare, or apply . . .
Virgin —
Virgin credit card lets you choose
a low balance transfer rate or a low purchase rate, or whether
you want to earn rewards. And of course, you get to choose
your card design as well.
There are three basic formats offering
APRs ranging from 15.9% (ouch!) down to 10.9%, a figure
that indicates just what card issuers actually charge for
the "free" benefits.
You can change features and benefits
any time, so as circumstances change your credit card does
too.
APR of 10.9% is worth looking at,
if you are not trying to save on a maxed out balance by
getting a 0% transfer balance rate. Time to get out the
calculator?
Click on the
card below to compare . . .
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