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Official APR examples

All credit cards

There are regulations governing how APRs must be displayed, and below we have included credit card companies' official examples of the interest rate works (see loan APR examples).

Of course, these should be of no practical use for anyone following most of our techniques properly. Being a savvy MoneySaver usually means NEVER paying the APR, and instead taking advantage of special 0% rates, or paying the card off in full.

This page includes credit card companies' official examples of their total cost of credit - also known as the Annual Percentage Rate (APR).

However, being a savvy MoneySaver usually means NEVER paying the APR. Instead, you should take advantage of special 0% rates, or pay the card off in full.

What does 'representative' rate mean?

Where credit cards use a 'representative APR', this means 51% of successful applicants must be given the stated rate.

With credit cards, the rate for purchases (as opposed to balance transfers or cash withdrawals) is used as the main rate to advertise the card.

So if that is described as 19.9% representative APR, then 51% of people accepted have to get an interest rate of 19.9%, but the other 49% could get a different rate (usually higher).

Of course, some people will be rejected outright.

AA Rewards Credit Card

If you spend £1,200 at an annual interest rate of 16.9% (variable), your representative APR will be 16.9% (variable).

Amazon MasterCard

If you spend £1,200 at an annual interest rate of 16.9% (variable), your representative APR will be 16.9% (variable).

Amex Everyday Platinum Cashback

If you spend £1,200 at an annual interest rate of 19.9% (variable), your representative APR will be 19.9% (variable).

Amex Platinum Cashback

If you spend £1,200 at an annual interest rate of 18.7% (variable) with a £25 annual fee, your representative APR will be 14.0% (variable).

Asda Money Card

If you spend £1,200 at an annual interest rate of 14.9% (variable), your representative APR will be 14.9% (variable).

Aqua

If you spend £1,200 at an annual interest rate of 34.9% (variable), your representative APR will be 34.9% (variable).

Aqua Classic

If you spend £1,200 at an annual interest rate of 29.71% (variable), your representative APR will be 29.7% (variable).

Bank of Scotland Balance Transfer

If you spend £1,200 at an annual interest rate of 18.95% (variable), your representative APR will be 18.9% (variable)..

Barclaycard Balance Transfer

If you spend £1,200 at an annual interest rate of 18.9% (variable), your representative APR will be 18.9% (variable).

Barclaycard Initial

If you spend £1,200 at an annual interest rate of 34.9% (variable), your representative APR will be 34.9% (variable).

Barclaycard Platinum

If you spend £1,200 at an annual interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

Barclaycard Platinum 0% for 18 months

If you spend £1,200 at an annual interest rate of 24.9% (variable) your representative APR will be 24.9% (variable).

Barclaycard Freedom Reward

If you spend £1,200 at an annual interest rate of 18.9% (variable), your representative APR will be 18.9% (variable).

Barclaycard Simplicity

If you spend £1,200 at an annual interest rate of 7.9% (variable) your representative APR will be 7.9% (variable).

British Airways Amex

If you spend £1,200 at an annual interest rate of 15.9% (variable), your representative APR will be 15.9% (variable).

British Airways Premium Plus Amex

If you spend £1,200 at an annual interest rate of 19.9% (variable) with an annual fee of £150, your representative APR will be 56.4% (variable).

Capital One Aspire World

If you spend £1,200 at an annual interest rate of 19.94% (variable), your representative APR will be 19.9% (variable).

Capital One Balance Transfer

If you spend £1,200 at an annual interest rate of 34.94% (variable), your representative APR will be 34.9% (variable).

Capital One Classic Extra

If you spend £1,200 at an annual interest rate of 34.94% (variable), your representative APR will be 34.9% (variable).

Capital One Progress

If you spend £1,200 at an annual interest rate of 29.9% (variable), your representative APR will be 29.9% (variable).

Capital One Business Mastercard

If you spend £1,200 at an annual interest rate of 16.9% (variable) your representative APR will be 16.9% (variable).

Clydesdale/Yorkshire Gold Purchase Card

If you spend £1,200 at an annual interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

Co-operative Members Card

If you spend £1,200 at an annual interest rate of 15.9% (variable), your representative APR will be 15.9% (variable).

Fluid Credit Card

If you spend £1,200 at an annual interest rate of 18.9% (variable), your representative APR will be 18.9% (variable).

Flybe

If you spend £1,200 at an annual interest rate of 18.9% (variable), your Representative APR will be 18.9% (variable).

Halifax Credit Card

If you spend £1,200 at an annual interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

Halifax Clarity Card

If you spend £1,200 at an annual interest rate of 12.95% (variable) your representative APR will be 12.9% (variable).

Halifax All In One

If you spend £1,200 at an annual interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

Halifax Purchase Credit Card

If you spend £1,200 at an annual interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

John Lewis/Waitrose Card

If you spend £1,200 at an annual interest rate of 16.9% (variable), your representative APR will be 16.9% (variable).

Lastminute.com Credit Card

If you spend £1,200 at an annual interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

Lloyds poor credit card

If you spend £1,200 at an annual interest rate of 25.95% (variable) your representative APR will be 25.9% (variable).

Lloyds Low rate Card

If you spend £1,200 at an annual interest rate of 6.45% (variable), your representative APR will be 6.4% (variable).

Lloyds Balance Transfer Card

If you spend £1,200 at an annual interest rate of 18.95% (variable), your representative APR will be 18.9% (variable).

Lloyds Duo Avios

If you spend £1,200 at an annual interest rate of 22.7% (variable), your representative APR will be 22.7% (variable).

Lloyds Duo Avios Premier

If you spend £1,200 at an annual interest rate of 17.95% (variable) with an annual fee of £140, your representative APR will be 50.8% (variable).

Lloyds Platinum Credit Card

If you spend £1,200 at an annual interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

Lloyds Platinum Low Rate Credit Card

If you spend £1,200 at an annual interest rate of 6.45% (variable) your representative APR will be 6.4% (variable).

Luma

If you spend £1,200 at an annual interest rate of 35.9% (variable) your representative APR will be 35.9% (variable).

MBNA Advantage

If you spend £1,200 at an annual interest rate of 17.9% (variable), your representative APR will be 17.9% (variable).

MBNA Platinum Visa

If you spend £1,200 at an annual interest rate of 18.9% (variable,) your representative APR will be 18.9% (variable).

MBNA Transfer Card

If you spend £1,200 at an annual interest rate of 18.9% (variable,) your representative APR will be 18.9% (variable).

MBNA Rate for Life

If you spend £1,200 at an annual interest rate of 6.5% (variable,) your representative APR will be 6.6% (variable)

M&S Credit Card

If you spend £1,200 at an annual interest rate of 18.9% (variable), your representative APR will be 18.9% (variable).

Nationwide Credit Card

If you spend £1,200 at an annual interest rate of 17.9% (variable) your representative APR will be 17.9% (variable).

Nationwide Select Credit Card

If you spend £1,200 at an annual interest rate of 15.9% (variable) your representative APR will be 15.9% (variable).

Ryanair

If you spend £1,200 at an annual interest rate of 19.9% (variable), your representative APR will be 19.9% (variable).

Post Office

If you spend £1,200 at an annual interest rate of 17.8% (variable), your representative APR will be 17.8% (variable).

Play Credit Card

If you spend £1,200 at an annual interest rate of 16.9% (variable) your representative APR will be 16.9% (variable).

Sainsbury's Balance Transfer card

If you spend £1,200 at an annual interest rate of 18.94% (variable) your representative APR will be 18.9% (variable)

Sainsbury's Low Rate Credit Card 6.9%

If you spend £1,200 at an annual interest rate of 6.95% (variable) your representative APR will be 6.9% (variable).

Sainsbury's Credit Card

If you spend £1,200 at an annual interest rate of 16.95% (variable) your representative APR will be 16.9% (variable).

Sainsbury's 18mth Credit Card

If you spend £1,200 at an annual interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

Santander Balance Transfer Credit Card

If you spend £1,200 at an annual interest rate of 18.94% (variable) your representative APR will be 18.9% (variable).

Santander Purchase Credit Card

If you spend £1,200 at an annual interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

Santander 123 Cashback

If you spend £1,200 at an annual interest rate of 12.7% (variable) with a £24 annual fee, your representative APR will be 16.5% (variable).

Tesco Credit Card

If you spend £1,200 at an annual interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

Tesco Low Rate Credit Card

If you spend £1,200 at an annual interest rate of 7.8% (variable) your representative APR will be 7.8% (variable).

TSB Balance Transfer Credit Card

If you spend £1,200 at an annual interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

Virgin Atlantic Black Credit Card

If you spend £1,200 at an annual interest rate of 18.9% (variable) with a £140 annual fee, your representative APR will be 52.0% (variable)

Virgin Atlantic White Credit Card

If you spend £1,200 at an annual interest rate of 17.9% (variable) your representative APR will be 17.9% (variable).

Virgin Money Balance Transfer card

If you spend £1,200 at an annual interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).