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Low standard interest rate

If you are not interested in the hassle of chasing offers and constantly switching to ensure that you are benefiting from the very best deal on the market, or if you simply haven't the time to do the research, a credit card with a low standard interest rate could be exactly what you are looking for.

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This type of card offers you a consistently low rate that stays low permanently. They may not offer enticing introductory offers but the typical rates are lower than the sort of rate that is reverted back to on a typical interest-free deal once the introductory period is over.

If you carry a balance forward each month then this is probably the best option for you, unless of course if you want to dedicate the time and effort that is necessary to carefully switch between the best interest-free offers. This type of card is also very useful for those that usually repay in full but on occasions are not able to and do not like the idea of being charged up to their eyeballs when this happens.

One other thing to note, however, is that while the rates on these cards are low compared to other credit cards they are relatively high in comparison to more long-term debt solutions such as personal loans or lifetime balance transfers.

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SoSmart Money are specialists when it comes to mortgage and insurance advice. Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable lender and product for your needs.

Speak to one of our experts for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

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