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Low APR Cards

Most people make the mistake of hanging on to cards they got years ago. Since that time, the interest rate (APR) on those cards has probably crept up. By getting a new card with a low APR, and putting it to the top of your wallet or purse, you can often dramatically cut the cost of credit.

Years ago, we did a study and found that the average saving by those who borrow on their cards was over £400 per year.

Low rate cards are listed in order of APR - cheapest first.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

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Barclaycard 18m Purchase 18m Balance Transfer card - 20.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 18m at 0%
  • Balance Transfers at 0% for 18m (2.9% fee)
  • No Cashback or Rewards Offered
  • Recommended by 80% of customers surveyed

This Barclaycard offers an interest free period of 18 months for both purchases and for balance transfers from the date you open your account. This makes it easy to use the card for everyday use after making a balance transfer, without fear of losing the benefit as can happen with other cards. The account can be monitored easily online, and is automatically linked to other Barclays accounts when using the free to download iPad or Android apps. Email alerts are also sent when a new statement is available to view on the account. An interest rate of 20.9% may not be the lowest, but unless you have an exceptional credit score, it is certainly acceptable. The card is recommended by 80.3% of our customers and it’s easy to see why. A balance transfer fee of 2.9% will be applied to your account.

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Barclaycard 18m Purchase 18m Balance Transfer card REPRESENTATIVE EXAMPLE

If you spend £1,200 at a purchase interest rate of 20.9% p.a (variable) your representative rate will be 20.9% APR (variable).

Marbles Credit Card - 29.7% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Not yet rated by our customers

You may remember the Marbles name from the mid-noughties - this card has been re-launched by NewDay, who provide other cards for those with some credit history issues.
The card starts with an easy-to-manage £250-£1200 credit limit - the limit is reviewed after 3 months and you could get an increase on your 4th statement. The benefits of this card are that you can find out if you'll be accepted before applying, thus avoiding any unnecessary credit searches on your credit report. The online account management is also good, allowing you to track your balance, set due date reminders and set spending alerts.

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Marbles Credit Card REPRESENTATIVE EXAMPLE

Representative 29.7% APR (variable)
based on maximum credit limit of £1,200
Representative Example: If you spend £1,200 at a purchase interest rate of 29.75% (variable) your representative APR will be 29.7% APR (variable)

Barclaycard Forward Credit Card - 33.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 3m at 0%
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 80% of customers surveyed

This Barclaycard is aimed at those new to credit or looking to improve their credit rating and who are having difficulty getting credit. If you want to establish or improve your credit rating, and are happy with a smaller, manageable credit limit this card should be on your short list, as all the usual Barclaycard benefits are there including PayTag and contactless payment technology built into each card. The rate shown here is the rate you will receive if accepted for the card. This is much higher than standard Barclaycards (but not for this type of card), which reflects the risk profile that Barclaycard Initial cardholders are expected to have. Your account will be reviewed within 12 months and your line of credit may be increased if you always pay on time and stay within your credit limit. An additional benefit is that you will pay 0% interest on purchases for 3 months from the date you open your account.

Price promise – 3% interest rate reduction if you make all your payments on time and stay within your credit limit for the first year. Keep it going in the second year and you’ll get another 2% reduction. 80.3% of respondents to our annual survey rate Barclaycard customer service as very good or excellent.

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Barclaycard Forward Credit Card REPRESENTATIVE EXAMPLE

Representative example:
Representative APR 33.9% APR (variable)
Purchase rate p.a. 33.9% p.a. (variable)
Assumed credit limit £1,200

Luma Credit Card - 35.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Not yet rated by our customers

Launched in August 2012 by MI Money, this card is administered by Capital One on its behalf. The maximum credit limit is £1,500 and there are a number of special discount-type offers from Luma, which are also available on their website to non-cardholders. The main purpose of the Luma Card is to help those with poor or no credit history to regain a credit card, which can then help rebuild a better credit record. The interest rate is high but reflects the sub-prime target market it is targeting. The high interest rate means that this is not a card to borrow with – unless you have no other option.

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Luma Credit Card REPRESENTATIVE EXAMPLE

If you spend £1,200 at a purchase interest rate of 35.94% p.a. (variable) your representative APR will be 35.9% APR (variable)

Luma Purchase Credit Card - 35.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 3m at 0%
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Not yet rated by our customers

Luma's latest credit card allows customers up to 3 months interest free on their purchases, something rarely seen on credit building cards. With credit limits up to £1,500, customers can be accepted if they are new to credit, have some previous bad credit history or CCJs, so the card could be beneficial to someone that is looking for a short term loan to repay in a few month's time, as it'll be on an interest free basis. With the interest rates at 35.94% once the initial 3 months is over this could be an expensive way of borrowing, so we always recommend trying to pay balances back in full each month wherever possible. Additional cardholders can be added and you can manage the account online or with the app.

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Luma Purchase Credit Card REPRESENTATIVE EXAMPLE

If you spend £1,200 at a purchase interest rate of 35.94% p.a. (variable) your representative APR will be 35.9% APR (variable)

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