Low Cost UK Credit Cards

In the UK, there are many types of credit cards available on low cost - cards with low interest rates, 0% transfer rates, cards with cash back and more. It is also advantageous for people looking to finance their temporary debts for business. There are certain credit cards, which even accept bad credit and help you get the lowest interest rates.

There are basically cards for every type of requirement. Some one might need a low APR rate, while other might want a low balance transfer rate. Therefore it becomes important to choose cards as per your needs and specifications.

Low APR

For most of the people dealing in huge amounts of credit, it is feasible to opt for low APR. Most of the popular credit card companies will charge APR in the range of 15- 20 %. The companies providing the lowest APR are Capital One Platinum with an APR rate of 6.9%, with 54 interest free days. The Co-operative Bank Clear has an APR of 8.9% with 59 interest free days. The Co-operative Fixed Rate Platinum Card charges an APR of 8.9%. It comes with lots of travel club benefits such as discounts on holidays, discount on various brochure priced holidays as well as discounts on the airfares to Worldwide and European destinations.

0% Balance Transfer Rates

There are certain cards, which come with the offer of 0% Balance Transfer Cards. Virgin Credit Card and MBNA Platinum Plus have a 0% Balance transfer Rate and the balance transfer Period of 9 months. The Morgan Stanley card offers a Balance transfer period of 6 months.

0% Intro purchase

There are also certain cards, which provide 0% rate on intro purchase. For a period of six months the companies do not charge on the purchases. The Capital One Credit card and Morgan Stanley Gold have come up with these cards.

Cash back

For all the people who pay their monthly bills on time, the credit card companies have cash back credit cards for them. This means a return on the amount of purchases that are done. The companies giving the best cash back deals are Morgan Stanley Platinum, offering a rate of up to 2% cash back until 1 November, and thereafter 1%. The American Express Blue offers a rate of 2% cash back for the first 3 months, there after up to1%.

The American Express Blue also offers protection against online fraud covering them against the fraudulent transactions online. Getting cash back is a form of rebate on the purchases made by the customers.

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