Lowest credit card rate: 24.9% APR

2 offers from 1 institutions · Credit card representative APRs, lowest first.

Lowest APR

24.9%

first direct

Gold Card · representative APR, variable

recorded 2026-11-01 · source ↗

2 offers1 institutionsmedian 24.90%

Spread of recorded rates

first direct

Gold Card

Credit cards · representative APR, variable · View at bank ↗

24.9 % APRrecorded 2026-11-01

first direct

Credit Card

Credit cards · representative APR, variable · View at bank ↗

24.9 % APRrecorded 2026-11-01

Quoted on another basis

These rates are quoted as nominal, so they are not ranked against APR.

first direct

Gold Card

Credit cards · purchases, annual rate (simple) · View at bank ↗

22.476 % nominalrecorded 2026-11-01

first direct

Credit Card

Credit cards · purchases, annual rate (simple) · View at bank ↗

22.476 % nominalrecorded 2026-11-01

first direct

Gold Card

Credit cards · cash advances, annual rate (simple) · View at bank ↗

26.484 % nominalrecorded 2026-11-01

first direct

Credit Card

Credit cards · cash advances, annual rate (simple) · View at bank ↗

26.484 % nominalrecorded 2026-11-01

Ask your AI. No sign-up. MCP and JSON for every rate on this site.

{"mcpServers":{"ratesonar-uk":{"url":"https://ukrates.ratesonar.com/mcp"}}}API docs

Questions

What is the lowest credit card rate in the UK right now?

first direct Gold Card (representative APR, variable) at 24.9% APR, recorded 1 Nov 2026. RateSonar compared 2 offers from 1 institutions on the same basis.

Are these rates current?

Each row shows the date RateSonar last recorded it from the bank's page. Pages are captured twice a day; a row that could not be refreshed keeps its last recorded date and drops out of the ranking after three days.

Is this the rate I will get?

No. These are the rates lenders advertise. Your rate depends on your circumstances, and lenders may price individually. Use the bank's own quote.