Low Interest Credit Cards in the UK for July 2025
On this page we’ll explore the top Low interest Credit Cards available in the UK, highlighting their features, benefits, and how they can save you money on interest charges.
Top 3 Low Interest Credit Cards
Representative APR
10.90% APR (variable)
Purchases
10.94% (variable) p.a.
Balance Transfers
10.94% (variable) p.a. (0% fee for 90 days)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 10.94% (variable) p.a., most accepted customers get a rate of 10.90% APR (variable).
Representative APR
10.9% APR (variable)
Purchases
10.94% (variable) p.a.
Balance Transfers
11.46% (variable) p.a. (3.99% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 10.9% (variable) p.a., most accepted customers get a rate of 10.9% APR (variable).
Representative APR
8.9% APR representative fixed for 3 years then 18.2% APR (variable)
Purchases
8.90% (variable) p.a. for 3 years.
Balance Transfers
8.90% (variable) p.a. for 3 years (0% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 18.20% (variable) p.a., most accepted customers get a rate of 18.2% APR (variable).
Compare Low Interest Credit Cards available in the UK
Finding the best low interest credit cards in the UK can significantly lower your borrowing costs and help you manage your finances more effectively. These low APR credit cards are especially beneficial for those who carry a balance from month to month or need to finance large purchases without incurring high interest charges. With lower interest rates, you can save money over time, reducing the burden of carrying credit card debt.
We’ve compiled a comprehensive list of all low interest credit cards available in the UK for July 2025. This data is sourced directly from financial institutions and is updated daily.
Representative APR
16.9% APR (variable)
Purchases
15.72% (variable) p.a.
Balance Transfers
15.72% (variable) p.a. (1.50% fee)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 15.72% (variable) p.a., most accepted customers get a rate of 16.9% APR (variable).
Representative APR
13.5% APR (variable)
Purchases
12.70% (variable) p.a.
Balance Transfers
Not Available
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 12.70% (variable) p.a., most accepted customers get a rate of 13.5% APR (variable).
Representative APR
10.90% APR (variable)
Purchases
10.94% (variable) p.a.
Balance Transfers
10.94% (variable) p.a. (0% fee for 90 days)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 10.94% (variable) p.a., most accepted customers get a rate of 10.90% APR (variable).
Representative APR
10.9% APR (variable)
Purchases
10.94% (variable) p.a.
Balance Transfers
10.94% (variable) p.a. (0% fee for the first 90 days)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 10.94% (variable) p.a., most accepted customers get a rate of 10.9% APR (variable).
Representative APR
10.9% APR (variable)
Purchases
10.94% (variable) p.a.
Balance Transfers
10.94% (variable) p.a. (0% fee for 90 days)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 10.94% (variable) p.a., most accepted customers get a rate of 10.9% APR (variable).
Representative APR
13.9% APR (variable)
Purchases
13.94% (variable) p.a.
Balance Transfers
13.94% (variable) p.a. (0% fee for 90 days)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 13.94% (variable) p.a., most accepted customers get a rate of 13.9% APR (variable).
Representative APR
12.9% APR (variable)
Purchases
12.90% (variable) p.a.
Balance Transfers
12.90% (variable) p.a. (no fee)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 12.90% (variable) p.a., most accepted customers get a rate of 12.9% APR (variable).
Representative APR
10.9% APR (variable)
Purchases
10.94% (variable) p.a.
Balance Transfers
11.46% (variable) p.a. (3.99% fee)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 10.9% (variable) p.a., most accepted customers get a rate of 10.9% APR (variable).
Representative APR
8.9% APR representative fixed for 3 years then 18.2% APR (variable)
Purchases
8.90% (variable) p.a. for 3 years.
Balance Transfers
8.90% (variable) p.a. for 3 years (0% fee)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 18.20% (variable) p.a., most accepted customers get a rate of 18.2% APR (variable).
Representative APR
12.9% APR (variable)
Purchases
0% for up to 3 months, then 12.95% (variable) p.a.
Balance Transfers
0% for 90 days, then 12.95% (variable) p.a. (0% fee for 90 days)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 12.95% (variable) p.a., most accepted customers get a rate of 12.9% APR (variable).
Showing 1-10 of 11 cashback credit cards
What is a low APR credit card?
Low interest credit cards are also known as low APR credit cards. Usually, these cards do not come with extra benefits such as cashback and rewards. A low interest credit card will normally have a lower APR and is especially helpful for those who don’t always pay off balances monthly.
What is a good interest rate for a credit card in the UK?
This really depends on your personal situation. A good interest rate in the UK could be considered anything below 15%, as many standard credit card APRs often range from 18% to 25%. Interest rates below this can help reduce costs if you carry a balance.
What is the best credit card in July 2025 with the lowest interest?
We’ve listed our top three low interest credit card deals available in the UK based on whole-of-market research gathered in October 2024. Compare the best low interest rate credit cards along with their fees and charges to choose the best one for you.
Do 0% interest credit cards exist?
There are several credit cards in July 2025 hat offer an introductory rate of 0% on balance transfers and/or purchases for a certain amount of months. This means that during the introductory period, you are not charged interest on your balance transfer or purchases. However, once the introductory period ends, the standard APR will apply so make sure you fully understand the rates and fees before taking on such a card. Check out our 0% balance transfer credit cards and 0% purchase rate credit cards.
What is the easiest low interest credit card to get?
Credit card approval is never guaranteed. Keep in mind that each application results in a hard search on your credit report, which can impact your score. Take a free eligibility check to understand which card you could be eligible for without impacting your score.
Are there low interest credit cards for bad credit?
While options are limited, some low-interest cards cater to those with bad credit, especially secured cards or those aimed at credit rebuilding. Rates may be higher but are often lower than standard cards for bad credit. Check out our full list of credit building cards or take a free eligibility check to see which card could be good for you.
Are there low interest credit cards with no annual fee?
Yes, many low-interest cards also come with no annual fee, offering a cost-effective solution for those seeking to save on both interest and fees. You can view all our low interest credit cards and compare the annual fees.
Are low interest credit cards any good?
Low interest rate credit cards in the UK are a valuable tool for minimizing interest costs and managing debt more effectively. Therefore, choosing a card with low interest rates and understanding the terms can lead to savings.
However, long-term savings are built on responsible spending and avoiding purchases beyond your means. At Mintify, we like to think of credit cards as “debt cards”, emphasising the importance of mindful use. If you anticipate running up credit card debt over time, we encourage you to reconsider getting a credit card, as carrying a balance can lead to costly interest and financial strain.
Explore our updated list of the best low-interest credit cards for July 2025, or take an eligibility check to find the cards you’re most likely to qualify for.
For more detailed insights and tips on managing your credit cards, visit Mintify’s UK Credit Cards page.
This article provides a clear and ethical overview of low interest credit cards, helping you make informed financial decisions. Always compare different offers and read the terms carefully to find the best card for your needs.