Low Interest Credit Cards For Purchases

Credit cards offering the longest introductory 0% rate for purchases

Credit cards with the lowest standard APR for purchases

Introductory Purchase Rates 

Many credit cards now come with an introductory interest free period for any purchases you make using the card. 

Long Term Low Interest Rates For Purchases
The introductory 0% offers are "teaser" rates, to attract new customers. After the introductory period, you're switched to the standard rate. Depending on your circumstances this may be more expensive over the long term than selecting a card that doesn't offer an introductory rate but has a lower standard rate. 

Credit cards offering the longest introductory period for purchases are listed first.

Card Intro Rate
Balance Transfers
Intro Rate
Purchases
Representative APR
(variable)
AA Low Rate
6.5%
(Fee: No fee)
6.5% 6.5% Details / Apply
Enjoy a low rate plus no annual or balance transfer fees with the AA Low Rate Credit Card
Representative Example
6.5% representative APR variable
6.5% p.a. variable on purchases
No annual fee
Based on £1,200 credit limit
Asda Cashback
0% for 12 months
(Fee: 3% or £3 whichever is greater)
19.9% 19.9% Details / Apply
To apply for a card, you should be aged 18 or over, not have County Court Judgements or Court Decrees or be bankrupt or otherwise insolvent, have a minimum annual income of £10,000 and not be claiming
unemployment benefits.
Cashback: 1% for every £1 spent in Asda and on George.com and 0.5% for every £1 spent elsewhere
Representative Example
Representative 19.9% APR variable
19.9% p.a. variable on purchases
No annual fee
Based on an assumed credit limit of £1,200
Aquis
- 29.84% 29.8% Details / Apply
Whether you’re new to credit or have had a few credit issues lately, get back on track with an Aquis Visa Card.* Credit is provided by Vanquis Bank Limited subject to status
Representative Example
Purchase annual interest rate 29.84% (variable)
Based on a £1,000 credit limit
Representative 29.8% (variable)
Vanquis Visa
- 39.94% 39.9% Details / Apply
Suitable for people new to credit or people with a poor credit record, start with an easy to manage credit limit and build your credit with a Vanquis credit card.* Credit is provided by Vanquis Bank Limited subject to status
Representative Example
Purchase annual interest rate 39.94% (variable)
Based on a £1,000 credit limit
Representative 39.9% APR (variable)

Credit cards with the lowest standard / typical APR listed first.

Card Intro Rate
Balance Transfers
Intro Rate
Purchases
Representative APR
(variable)
AA Low Rate
6.5%
(Fee: No fee)
6.5% 6.5% Details / Apply
Enjoy a low rate plus no annual or balance transfer fees with the AA Low Rate Credit Card
Representative Example
6.5% representative APR variable
6.5% p.a. variable on purchases
No annual fee
Based on £1,200 credit limit
Asda Cashback
0% for 12 months
(Fee: 3% or £3 whichever is greater)
19.9% 19.9% Details / Apply
To apply for a card, you should be aged 18 or over, not have County Court Judgements or Court Decrees or be bankrupt or otherwise insolvent, have a minimum annual income of £10,000 and not be claiming
unemployment benefits.
Cashback: 1% for every £1 spent in Asda and on George.com and 0.5% for every £1 spent elsewhere
Representative Example
Representative 19.9% APR variable
19.9% p.a. variable on purchases
No annual fee
Based on an assumed credit limit of £1,200
Aquis
- 29.84% 29.8% Details / Apply
Whether you’re new to credit or have had a few credit issues lately, get back on track with an Aquis Visa Card.* Credit is provided by Vanquis Bank Limited subject to status
Representative Example
Purchase annual interest rate 29.84% (variable)
Based on a £1,000 credit limit
Representative 29.8% (variable)
Vanquis Visa
- 39.94% 39.9% Details / Apply
Suitable for people new to credit or people with a poor credit record, start with an easy to manage credit limit and build your credit with a Vanquis credit card.* Credit is provided by Vanquis Bank Limited subject to status
Representative Example
Purchase annual interest rate 39.94% (variable)
Based on a £1,000 credit limit
Representative 39.9% APR (variable)