Erin Yurday
Author
AA Low Rate Card: what are some alternatives?
11 September 2026
1 min read
The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement.
ClearScore is a credit broker, not a lender.
Always make sure you can afford repayments before applying for any credit card.
The AA Low Rate Credit Card is no longer available to new applicants. This page preserves a summary of the card for historical reference, followed by information on low rate credit cards currently available in the UK.
About the card
The AA Low Rate Credit Card was a no-annual-fee card designed for those who may occasionally need to carry a balance from month to month. Its defining feature was a consistently low purchase rate of 6.5% APR (well below the market average at the time) which applied to purchases, cash withdrawals and balance transfers on an ongoing basis rather than for a limited promotional period.
The card offered three possible rates depending on individual credit assessment: 6.5%, 10.4% or 14.9% APR. At least 51% of successful applicants received the representative 6.5% rate. Those with weaker credit histories were more likely to be offered the higher rates.
Low rate credit cards currently available in the UK
The low rate market includes offerings from Tesco and Lloyds in the 12.9% to 14.9% range as of September 2026.
Erin Yurday
Author
11 September 2026
1 min read
The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement.
Meet the author
Author
Erin Yurday
Erin was the founder of NimbleFins, a data driven personal finance site. A former derivatives trader and finance expert at the Stanford Graduate School, Erin turns research into plain answers so you can understand your credit.
AA Low Rate Card: what are some alternatives?
Erin Yurday
Author
11 September 2026
1 min read
The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement.
ClearScore is a credit broker, not a lender.
Always make sure you can afford repayments before applying for any credit card.
The AA Low Rate Credit Card is no longer available to new applicants. This page preserves a summary of the card for historical reference, followed by information on low rate credit cards currently available in the UK.
About the card
The AA Low Rate Credit Card was a no-annual-fee card designed for those who may occasionally need to carry a balance from month to month. Its defining feature was a consistently low purchase rate of 6.5% APR (well below the market average at the time) which applied to purchases, cash withdrawals and balance transfers on an ongoing basis rather than for a limited promotional period.
The card offered three possible rates depending on individual credit assessment: 6.5%, 10.4% or 14.9% APR. At least 51% of successful applicants received the representative 6.5% rate. Those with weaker credit histories were more likely to be offered the higher rates.
Low rate credit cards currently available in the UK
The low rate market includes offerings from Tesco and Lloyds in the 12.9% to 14.9% range as of September 2026.
Erin Yurday
Author
11 September 2026
1 min read
The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement.
Meet the author
Author
Erin Yurday
Erin was the founder of NimbleFins, a data driven personal finance site. A former derivatives trader and finance expert at the Stanford Graduate School, Erin turns research into plain answers so you can understand your credit.