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 APR examples for loans).

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.

What does 'representative' rate mean?

Where credit cards or loans use a 'representative APR', this means 51% of successful applicants will be given the stated interest 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 will get 19.9% APR, but 49% will get a different rate (likely to be higher).

Of course, some people will be rejected outright.

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 Platinum Cashback

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

Aqua Advance

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 32.94% (variable), your Representative APR will be 32.9% (variable)

Barclaycard Initial

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

Barclaycard Platinum 0% for 25 months

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 14 months

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

Barclaycard Platinum 26 months 0% BT

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

Barclaycard Platinum 18 months 0% BT

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

Barclaycard Cashback card 19.9% Purchase rate

If you spend £1,200 at an annual interest rate of 19.9% (variable) your Representative APR will be 24.8% (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 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 29.94% (variable), your Representative APR will be 29.9% (variable).

Capital One Business Mastercard

If you spend £1,200 at an annual interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).

Fluid

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

Halifax 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).

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 16.95% (variable) your Representative APR will be 16.9% (variable).

Lloyds Duo Avios

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

Lloyds Duo Avios Premier

If you spend £1,200 at an annual interest rate of 13.95% (variable) with an annual fee of £50, your Representative APR will be 23.7% (variable).

Lloyds TSB Platinum Credit Card

If you spend £1,200 at an annual interest rate of 17.95% (variable) with an annual fee of £50, your Representative APR will be 17.9% (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 Platinum Visa

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

MBNA Rate for Life

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

M&S Credit Card

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

Nationwide Credit Card

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

Nationwide Select Credit Card

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

Natwest Platinum

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

Natwest YourPoints MasterCard

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

RBS Platinum

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

RBS YourPoints MasterCard

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

Sainsbury's Low Rate Credit Card 7.8%

If you spend £1,200 at an annual interest rate of 7.84% (variable) your Representative APR will be 7.8% (variable).

Sainsbury's Cashback Credit Card

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

Sainsbury's Nectar

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

Santander 123 Cashback

If you spend £1,200 at an annual interest rate of 18.9% (variable) with a £24 annual fee, your Representative APR will be 22.8% (variable).

Tesco Clubcard Credit Card

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