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Official APR examples All credit cards

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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.

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 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 35.9% (variable), your Representative APR will be 35.9% (variable).

Bank of Scotland Platinum

If you spend £1,200 at an annual interest rate of 17.9% (variable), your Representative APR will be 17.9% (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 0% for 17 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 28 or 27 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 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 until July 2014

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).

Fluid

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

Fluid 22 months 0%

If you spend £1,200 at an annual interest rate of 16.9% (variable), your Representative APR will be 16.9% (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 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 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 16.95% (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 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 £50, your Representative APR will be 50.8% (variable).

Lloyds TSB 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).

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 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 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 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).

Natwest Platinum 0% for 15 months

If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 165.9% (variable).

Natwest Platinum 0% for 27 months

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

Natwest Platinum Purchase MasterCard

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

RBS Platinum

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

RBS Platinum Purchase MasterCard

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

RBS YourPoints MasterCard

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

Ryanair

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

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 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 Cashback 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 Nectar

If you spend £1,200 at an annual interest rate of 16.95% (variable) your Representative APR will be 16.9% (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 Balance Transfer 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 Clubcard Credit Card

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

Virgin Money Balance Transfer card

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

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