0% Balance Transfer Credit CardsStandard APR rates on Credit Cards
For everyday use, it's important to know what the standard APR is on your credit card debt. This can be useful information for snowballing. This list only contains cards that carry introductory offers.
| Card | min pay | Functions | APR | Notes |
|---|---|---|---|---|
| Sainsbury's Low Rate Credit Card | 2.25% |  | 6.9% |
 Must have swiped your Nectar card in last 6 months
|
| Barclaycard Simplicity | 2.25% |  | 7.9% |
|
| Co-op Platinum Fixed Rate | 2.00% | | 9.9% |
Rate fixed for 5 years.
|
| Saga Platinum | 3.00% | | 11.9% |
Age 50+. Extensive benefits package - see website
|
| Virgin Charity Card | 1.00% | | 12.9% |
|
| Nationwide Select Credit Card | 1.00% | | 12.9% |
Must be a 'main account' customer. See T&Cs. No foreign loading charges
|
| Virgin All Round Card | 1.00% | | 15.8% |
|
| LTSB Avios Duo | 1.00% | | 15.9% |
|
| Co-op Members' Card | 2.00% | | 15.9% |
|
| Marks & Spencer | 2.50% | | 15.9% |
M&S reward points (vouchers) for all spending.
|
| Nationwide Credit Card | 1.00% | | 15.9% |
£5K min income.
|
| Virgin Balance Transfer Card | 1.00% | | 16.8% |
big discounts at Virgin companies
|
| Asda Reward Card | 1.00% | | 16.8% |
Extensive rewards programme. See website for full details.
|
| John Lewis | 3.00% | | 16.9% |
|
| bmi American Express | 1.00% | | 16.9% |
|
| Halifax 20 month BT Card | 1.00% | | 16.9% |
Min income £20K
|
| Halifax 17 month BT card | 1.00% | | 16.9% |
|
| Tesco Clubcard | 1.00% | | 16.9% |
|
| Post Office Platinum | 2.50% | | 16.9% |
|
| Sainsbury's Credit Card | 2.25% | | 16.9% |
12 months 0% on Sainsbury's purchases. Only 9 months 0% on other purchases.
|
| BOI Mastercard Gold | 2.50% | | 16.9% |
|
| Yorkshire Bank Gold | 1.00% | | 16.9% |
Must be a YB customer
|
| Clydesdale Bank Gold | 1.00% | | 16.9% |
Must be a CB customer
|
| First Direct Gold | 3.00% | | 16.9% |
|
| RSPCA Card | 1.00% | | 16.9% |
3 months from account opening
|
| Barclaycard Breathe | 2.25% | | 16.9% |
|
| Bank of Scotland Plus | 1.00% | | 16.9% |
|
| BT Credit Card | 1.00% | | 16.9% |
|
| Play.com | 1.00% | | 16.9% |
|
| Sainsbury's Nectar Credit Card | 2.25% | | 16.9% |
Must have swiped your Nectar card in store in the last 6 months.
|
| AA Rewards Card | 1.00% | | 16.9% |
on all motoring, fuel and AA products only
|
| Virgin Atlantic 'White' | 1.00% | | 17.9% |
|
| Halifax All In One Card | 1.00% | | 17.9% |
Most applicants will get 15 months 0%. Others will get 13 or 11 months 0%.
|
| AA Balance Transfer Card | 1.00% | | 17.9% |
|
| LTSB Platinum | 1.00% | | 17.9% |
|
| BOI Ulster Rugby Card | 2.50% | | 17.9% |
|
| HSBC | 2.50% | | 17.9% |
Need to be a HSBC account holder and pay in £500 per month. Min salary £8,500
|
| BOI Moneyback | 2.50% | | 17.9% |
|
| BOS All In One Card | 1.00% | | 17.9% |
Qualifying current account customers get 13 months 0%
|
| Santander Credit Card | 1.00% | | 17.9% |
|
| RBS Platinum | 1.00% | | 17.9% |
Min £10K income.
|
| NatWest Platinum | 1.00% | | 17.9% |
Min £10K income.
|
| RBS World Mastercard | 1.00% | | 17.9% |
Min £10K income. Extensive benefits/reward package.
|
| NatWest World Mastercard | 1.00% | | 17.9% |
Min £10K income. Extensive benefits/reward package.
|
| Halifax BT card | 1.00% | | 17.9% |
Min income £20K
|
| Barclaycard Platinum Extended BT | 2.25% | | 17.9% |
|
| NatWest Platinum Special Offer | 1.00% | | 17.9% |
Min £10K income
|
| RBS Platinum Special Offer | 1.00% | | 17.9% |
Min £10K income. Online offer only
|
| AMEX Platinum Cashback Card | 2.00% | | 18.5% |
|
| Barclaycard Platinum Purchase | 2.25% | | 18.9% |
|
| Co-op Affinity Standard | 2.00% | | 18.9% |
|
| Virgin Purchase Card | 1.00% | | 18.9% |
|
| Platinum Low BT Fee Card | 2.25% | | 18.9% |
|
| Debenhams | 1.00% | | 19.9% |
|
| Post Office Classic | 2.50% | | 19.9% |
|
| Capital One World Mastercard | 1.00% | | 19.9% |
|
| Santander 123 Cashback Card | 1.00% | | 22.8% |
|
Table | Standard APR rates on credit cards |