Official APR Examples

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.

Amazon Classic

If you spend £1,200 at an annual interest rate of 29.95% (variable), your representative APR will be 29.9% (variable).

Amazon Platinum

If you spend £1,200 at an annual interest rate of 21.94% (variable), your representative APR will be 21.9% (variable).

Amex Platinum Everyday Cashback

If you spend £1,200 at an annual interest rate of 22.9% (variable), your representative APR will be 22.9% (variable).

Amex Nectar

If you spend £1,200 at an annual interest rate of 28.2% (variable) with a £25 annual fee, your representative APR will be 28.2% (variable).

Amex Preferred Rewards Gold

If you spend £1,200 at an annual interest rate of 57.6% (variable) with a £140 annual fee, your representative APR will be 57.6% (variable).

Amex Rewards

If you spend £1,200 at an annual interest rate of 22.9% (variable), your representative APR will be 22.9% (variable).

Aqua / Aqua Advance / Aqua Reward

If you spend £1,200 at an annual interest rate of 34.95% (variable), your representative APR will be 34.9% (variable).

Aqua Classic

If you spend £1,200 at an annual interest rate of 29.75% (variable), your representative APR will be 29.7% (variable).

Aquis

If you spend £1,200 at an annual interest rate of 29.8% (variable), your representative APR will be 29.8% (variable).

Asda Money / Cashback Credit Card

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

B Credit Card

If you spend £1,200 at an annual interest rate of 9.9% (variable), your representative APR will be 9.9% (variable).

Bank of Scotland Balance Transfer

If you spend £1,200 at an annual interest rate of 19.95% (variable), your representative APR will be 19.9% (variable).

Barclaycard / Barclaycard Platinum

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

If you spend £1,200 at an annual interest rate of 21.9% (variable), your representative APR will be 21.9% (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).

British Airways Amex

If you spend £1,200 at an annual interest rate of 22.9% (variable), your representative APR will be 22.9% (variable).

British Airways Premium Plus Amex

If you spend £1,200 at an annual interest rate of 22.9% (variable) with an annual fee of £195, your representative APR will be 76% (variable).

Capital One Balance Transfer / Classic

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

Capital One Platinum

If you spend £1,200 at an annual interest rate of 29.84% (variable), your representative APR will be 29.8% (variable).

Chrome 24.7%

If you spend £1,200 at an annual interest rate of 24.7% (variable), your representative APR will be 24.7% (variable).

Chrome 29.3%

If you spend £1,200 at an annual interest rate of 29.3% (variable), your representative APR will be 29.3% (variable).

Creation Everyday Credit Card

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

Halifax Balance Transfer/ Credit Card

If you spend £1,200 at an annual interest rate of 19.95% (variable) your representative APR will be 19.9% (variable).

Halifax Clarity Card

If you spend £1,200 at an annual interest rate of 19.95% (variable) your representative APR will be 19.9% (variable).

HSBC Credit Card

If you spend £1,200 at an annual interest rate of 21.9% (variable) your representative APR would be 21.9% (variable).

HSBC Dual Credit Card

If you spend £1,200 at an annual interest rate of 22.9% (variable) your representative APR will be 22.9% (variable).

John Lewis/Waitrose Card

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

Lloyds Balance Transfer Card

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

Marbles

If you spend £1,200 at an annual interest rate of 34.95% (variable) your representative APR will be 34.9% (variable).

MBNA All Round / Platinum Credit Card

If you spend £1,200 at an annual interest rate of 20.9% (variable,) your representative APR will be 20.9% (variable)

MBNA Balance Transfer / Money Transfer Credit Card

If you spend £1,200 at an annual interest rate of 19.93% (variable,) your representative APR will be 19.9% (variable)

MBNA Low Rate Credit Card

If you spend £1,200 at an annual interest rate of 8.9% (variable,) your representative APR will be 8.9% (variable).

M&S Credit Card

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

Ocean Finance Credit Card

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

Post Office Matched Credit Card

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

Post Office Platinum 

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

Saga Platinum

If you spend £1,200 at an annual interest rate of 11.29% (variable), your representative APR will be 11.9% (variable).

Sainsbury's Nectar Purchase / Dual Credit Card

If you spend £1,200 at an annual interest rate of 20.95% (variable) your representative APR will be 20.9% (variable).

Sainsbury's Balance Transfer Credit Card

If you spend £1,200 at an annual interest rate of 19.95% (variable) your representative APR will be 19.9% (variable).

Sainsbury's No Fee Balance Transfer Credit Card

If you spend £1,200 at an annual interest rate of 20.9% (variable) your representative APR will be 20.9% (variable)

Santander Everyday Credit Card / Santander Zero

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

Tandem Cashback Credit Card

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

Tandem Journey 

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

Tesco Foundation Credit Card

If you spend £1,200 at an annual interest rate of 27.5% (variable) your representative APR will be 27.5% (variable).

Tesco Low Rate Credit Card

If you spend £1,200 at an annual interest rate of 5.9% (variable) your representative APR will be 5.9% (variable).

Tesco Purchase / Balance Transfer Credit Card 

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

Other Tesco Credit Cards

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

Think Money Credit Card

If you spend £1,200 at an annual interest rate of 39.9% (variable) your representative APR will be 39.9% (variable).

TSB Platinum

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

Vanquis Classic Credit Card

If you spend £1,000 at an annual interest rate of 39.94% (variable) your representative APR will be 39.9% (variable).

Virgin Atlantic Reward Credit Card

If you spend £1,200 at an annual interest rate of 22.9% (variable) your representative APR will be 22.9% (variable).

Virgin Atlantic Reward+ Credit Card

If you spend £1,200 at an annual interest rate of 22.9% (variable) with a £160 annual fee, your representative APR will be 63.9% (variable). 

Virgin Money All Round Credit Card

If you spend £1,200 at an annual interest rate of 21.9% (variable) your representative APR will be 21.9% (variable). 

Virgin Money Balance / Money  Transfer Credit Card

If you spend £1,200 at an annual interest rate of 21.9% (variable) your representative APR will be 21.9% (variable).

Virgin Money Purchase / Travel Credit Card

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

Yorkshire Bank / Clydesdale Bank Gold Credit Card 

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