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This low rate card, which is only available to customers with a Nectar card, offers a representative APR of 6.9% on new purchases and balance transfers, and does not impose balance transfer fees. Those who may previously have switched cards for introductory offers can therefore avoid incurring a balance transfer fee while enjoying a low rate. This makes it a good choice for those who know they aren’t going to be able to clear their balance every month, as interest charges are low. However, bear in mind that unless you have an impeccable credit history, you may be offered a higher representative APR of either 9.9% variable or 12.9% variable. Even if you do qualify for the lowest rate, if you are transferring a large balance, you will need to work out if you may be better off with a card offering a lengthy 0% period on balance transfers with a balance transfer fee. While you have to have a Nectar card to apply for the card, you do not get any Nectar points when you spend. You should not use this card to make cash withdrawals, as these are charged interest at a hefty 24.93%. You will also be charged a withdrawal fee of 3%, with a minimum charge of £3. The card does not have an annual fee.

This card has one of the lowest APRs currently available at 7.9% on both balance transfers and purchases. It is therefore likely to suit those looking for a consistently low rate who doesn't want to keep transferring their balance to take advantage of 0% introductory offers. There is no handling fee on balance transfers – most cards charge around 3% – so if you are transferring a large balance this could result in significant savings. Cardholders can manage their accounts online, and make contactless payments using the card on purchases up to £15. You must be 21 to apply for the card, with at least four years of managing credit commitments well, always making payments on time. You must also have a regular income of over £20,000 a year and not already have a credit card with Barclaycard. As with most credit cards, there is an interest-free period of 56 days.

This card is designed specifically for shopping online, has a low annual percentage rate of 9.94% on purchases and no fees to transfer a balance. This is a great card for online discounts if you pay your balance off in full every month but if you don’t intend to do this, there are other cards offering 0% on purchases for up to 15 months. The main advantage of this card is that it gives you access to exclusive discounts when you use it to shop online. Current offers include 20% off anything on the Ted Baker site, plus free delivery, 25% off travel at Travelpack.com, 30% off on the Zavvi entertainment site and 50% off anything on the tickets website Viagogo, terms and conditions apply to these discounts. There will also be new deals and retailers added every 3 months which will be valid for a 3 month period. The card promises enhanced security for those nervous about handing over their details online. It comes with identity theft protection and purchase protection insurance. It also suits the fashion conscious as you can choose from six different card designs. Don’t use the card to withdraw cash, as you will be charged £3, or 3% of the amount you take out, whichever is greater. The credit limit offered will range from £2,000 to £12,000 depending on your circumstances. To qualify for the card you must be a UK resident, have a minimum income of £20,000 and be aged at least 21. You may be refused if you have applied for a Capital One card in the last 6 months.