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Compare Low Rate Credit Cards

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American Express

Rewards Low Rate Credit Card
American Express logo
Balance transfer

9.9%

Rate

N/A

Fee
Purchases

9.9%

p.a. variable
APR

9.9%

Representative APR (variable)
  • Good credit rating required
Representative Example: Representative 9.9% APR variable. Based on assumed credit limit of £1,200. Interest rate for purchases: 9.9% p.a. variable.

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  • Compare Low Rate Credit Cards

    Are you looking for a credit card with a low interest rate? A low rate credit card or low APR credit card is an ideal solution for those would like a consistent card to use for a long time, rather than a card that has limited-time offers or perks. The low interest rate is as fixed as the Guru’s stare, but thankfully not as intense (and it doesn’t follow you round the room).

    What is a low rate credit card?

    While some credit cards will offer a 0% rate for a limited time, a low rate credit card or low APR credit card will stay the same for the lifetime of the card. This major advantage means that you can make the most of a consistently low rate for as long as you so wish, which is great for those who would like long-term usage out of a credit card.

    Low interest rate credit cards are often fixed between 4% and 6%, and will not change for the entire time you are using it. This is ideal for those who like to use a credit card frequently.

    Will I be accepted for a low rate credit card?

    Since they provide the lowest rates for credit cards over the longest amount of time, it means that you will only be accepted if you have an excellent credit score. It’s always worth double checking your credit rating before applying.

    This makes them highly-sought after credit cards, useful for everyday spending as well as any other additional perks that might be handy to have, such as membership points or air miles.

    What is the best low rate credit card for me?

    There are a number of low rate credit cards to choose from, with differing rates available depending on the provider.

    You’re likely to find these cards have less perks than others, if any at all, simply because the main advantage is the consistent interest rate. Have a look out for the following when making your choice:

    • APR: The Annual Purchase Rate is the most important thing to look for, as this will indicate how much you will pay on top of any spending you make during the year
    • Balance Transfer rate: The balance transfer rate will let you see how much it might cost to transfer over the balance of your current credit card, and it will indicate whether or not you will need to pay a fee
    • Purchase rate: The purchase rate will give you an indication of how much interest you will pay each time you spend

    Still not found the perfect low rate credit card? Try our moneymatcher comparison tool and get yourself the most appropriate results, hassle-free. Simply enter a couple of details and we can dig out some great cards to suit your requirements. Rest assured, it won’t affect your credit rating and is a free service to use at your leisure.

    Our credit card providers

    We work with a huge range of providers to give you a wide selection of financial products, ensuring you can find a credit card that is right for you.

    Each provider is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    Our range of credit card providers will allow you to choose between different card types including 0% balance transfer, 0% purchase, rewards, credit builder, gold & premium, travel, air miles, low rate and cashback. Our moneymatcher comparison tool will allow you to narrow down your search and pick out the right credit card for you.

    Have a look at our provider pages to see our full list of credit card providers.

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