Credit card interest rates

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Best credit card deals can be compared most effectively online. The best deals on credit cards are usually the ones with low interest rates and introductory offers (ideal for balance transfers).

If you make a purchase and spread payments over a period of months, you will be subject to the Annual Percentage Rate (APR) as stipulated on your contract – typical APR. More...

• 0% Balance Transfer Cards
• 0% Purchase Cards
• 0% Balance Transfer and Purchase Cards
• Cashback Cards
• Long Term/ Life of Balance Transfer
• Low Standard Rate Cards
• Loyalty Reward Cards

Card	Rate	Duration	BT Fee	Typical APR
Capital One BT Exclusive	0%	Until 01/10/2009	3.0%	15.9%
Virgin Credit Card	0%	15 mths	2.98%	15.9%
Capital One Platinum	0%	Until 01/09/2009	3.0%	12.9%
Egg Card	0%	Until 01/09/2009	3.0%	16.9%
Barclaycard Platinum 'As on TV'	0%	14 mths	2.9%	14.9%

Card	Rate	Duration	BT Fee	Typical APR
Capital One Platinum	0%	Until 01/09/2009	12.9%
Capital One Platinum Exclusive	0%	Until 01/05/2009	11.9%
Halifax One Online Special	0%	10 mths	15.9%
Bank of Scotland	0%	10 mths	15.9%
Barclaycard Life of Balance	0%	10 mths	15.9%

Card	Rate	Duration	BT Fee	Typical APR
Capital One Platinum	Until 01/09/2009	Until 01/09/2009	12.9%
Capital One Platinum Exclusive	Until 01/05/2009	Until 01/05/2009	11.9%
Halifax One Online Special	10 mths	10 mths	15.9%
Bank of Scotland	10 mths	10 mths	15.9%
Capital One BT Exclusive	Until 01/10/2008	Until 01/10/2009	15.9%

Card	Rate	Duration	BT Fee	Typical APR
American Express Platinum	5% Moneyback for 3 months, up to 1.5% thereafter
Capital One Cashback	4% rebate until 01/09/08 on purchases, 1% thereafter
Shell MasterCard - Citi	3% rebate on Shell fuel spend, 1% on other purchases
Barclaycard Cashback	4% Cashback until 31/07/08, 0.5% until 01/01/10

Card	Rate	Duration	BT Fee	Typical APR
Barclaycard Life of Balance	6.5%	15.9%	Life of Balance

Card	Rate	Duration	BT Fee	Typical APR
Barclaycard Low Rate Special	8.8%	56
Capital One Platinum Exclusive	11.9%	56

Card	Rate	Duration	BT Fee	Typical APR
MBNA Platinum Rewards Card	1 point for every £1.00 spent

As of May 2007, this monthly interest charge was set between 0.75 and 1.5%, giving us an annual interest rate spread of 9% to 18% (with exceptions).

The APR is the main cost of using your card (aside from any additional charges) and is a good gauge when comparing credit card deals. Some credit card companies offer various APR rates depending on the credit card provider’s assessment of the applicant, ie credit history, salary etc.

Note: The interest rate may vary over time so check your monthly statements.