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Lowest standard rate best buys table

This table features the top ten credit cards based on the APR on purchases after any introductory offer has expired, therefore indicating some of the most competitive rates available for purchases. These cards are available to anyone over the age of 18. Some of these cards may require a minimum annual income of up to £15,000, please contact provider for further details.

Best buys table for lowest standard rate credit cards

Provider Product Purchase rate (%pm) APR - purchases Annual balance tranfer rate % Annual cash advance rate % Interest free period (days) Annual fee £ Cash advance charge % Cash advance charge £
Barclaycard Barclaycard Simplicity .55% 6.8% 6.64% 15.8% 56.00 0.00 2.5% £3
Egg Egg Money .64% 7.9% 7.67% 7.9% 50.00 0.00 na None
Intelligent Finance IF Flat Rate Visa Card .72% 8.94% 8.94% 22.95% 59.00 0.00 2% £2
Halifax One Card MasterCard .79% 9.93% 9.5% 22.95% 59.00 0.00 2.5% £3
Abbey Flat Rate MasterCard .87% 10.9% 10.44% 10.9% 56.00 0.00 na None
Abbey Flat Rate Visa .87% 10.9% 10.44% 10.9% 56.00 0.00 na None
Yorkshire Building Society Base Rate Tracker Card .92% 11.6% 11.01% 23.9% 59.00 0.00 2.5% £3
Lloyds TSB Advance MasterCard .95% 11.9% 11.9% 27.9% 0.00 0.00 2.5% £3
First Trust Bank (NI) MasterCard Option 3 1.02% 12.9% 12.2% 14.63% 0.00 0.00 1.5% £2
First Trust Bank (NI) Visa Card Option 3 1.02% 12.9% 12.2% 14.63% 0.00 0.00 1.5% £2
APR - Annual purchase rate
na - not applicable
ns - not stated
ul - unlimited

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