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There are regulations governing how APRs must be displayed, and below we have included credit card companies' official examples of how their interest rates work (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 Credit Card
If you spend £1,200 at an annual interest rate of 18.9% (variable), your representative APR will be 18.9% (variable).
AA Low Rate Credit Card
If you spend £1,200 at an annual interest rate of 6.5% (variable), your representative APR will be 6.5% (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 22.9% (variable) with a £25 annual fee, your representative APR will be 28.2% (variable).
Amex Platinum Cashback
If you spend £1,200 at an annual interest rate of 22.9% (variable) with a £25 annual fee, your representative APR will be 28.2% (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).
Asda Money Card
If you spend £1,200 at an annual interest rate of 19.9% (variable), your representative APR will be 19.9% (variable).
Aqua / Aqua Advance
If you spend £1,200 at an annual interest rate of 34.91% (variable), your representative APR will be 34.9% (variable).
Aqua Classic
If you spend £1,200 at an annual interest rate of 35.95% (variable), your representative APR will be 35.9% (variable).
Aqua Reward
If you spend £1,200 at an annual interest rate of 34.95% (variable), your representative APR will be 34.9% (variable).
Aquis
If you spend £1,200 at an annual interest rate of 29.84% (variable), your representative APR will be 29.8% (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
If you spend £1,200 at an annual interest rate of 18.9% (variable), your representative APR will be 18.9% (variable).
Barclaycard Freedom Rewards
If you spend £1,200 at an annual interest rate of 21.9% (variable), your representative APR will be 21.9% (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 Travel
If you spend £1,200 at an annual interest rate of 19.9% (variable) your representative APR will be 19.9% (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
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
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).
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).
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).
Debenhams Credit Card
If you spend £1,200 at an annual interest rate of 24.94% (variable), your representative APR will be 24.9% (variable).
Flybe Credit Card
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 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 18.95% (variable) your representative APR will be 18.9% (variable).
HSBC card
If you spend £1,200 at an annual interest rate of 18.9% (variable) your representative APR will be 18.9% (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 Low rate Card
If you spend £1,200 at an annual interest rate of 5.69% (variable), your representative APR will be 5.7% (variable).Lloyds 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).
Lloyds Duo Avios
If you spend £1,200 at an annual interest rate of 18.94% (variable) with an annual fee of £24, your representative APR will be 23.7% (variable).
Luma
If you spend £1,200 at an annual interest rate of 35.9% (variable) your representative APR will be 35.9% (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 Platinum
If you spend £1,200 at an annual interest rate of 19.9% (variable,) your representative APR will be 19.9% (variable).
MBNA Transfer Card
If you spend £1,200 at an annual interest rate of 19.9% (variable,) your representative APR will be 19.9% (variable).
MBNA 5 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 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).
Nuba Credit Card
If you spend £1,200 at an annual interest rate of 19.9% (variable) your representative APR will be 19.9% (variable).
Ocean Finance Credit Card
If you spend £1,200 at an annual interest rate of 39.9% (variable) your representative APR will be 39.9% (variable).
Post Office
If you spend £1,200 at an annual interest rate of 18.9% (variable), your representative APR will be 18.9% (variable).
Sainsbury's Credit Card
If you spend £1,200 at an annual interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).
Sainsbury's Balance Transfer 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 Everyday 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 Zero
If you spend £1,200 at an annual interest rate of 18.9% (variable) your representative APR will be 18.9% (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 Premium Credit Card
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 56.5% (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).
TSB 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).
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 Visa Credit Card
If you spend £1,200 at an annual interest rate of 39.9% (variable), your representative APR will be 39.9% (variable).
Virgin Atlantic Black Credit Card
If you spend £1,200 at an annual interest rate of 22.9% (variable) with a £140 annual fee, your representative APR will be 54.7% (variable)
Virgin Atlantic White 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 Money - 24mth, 30mth, 32mth (Balance Transfer), 28mth (0% Spending)
If you spend £1,200 at an annual interest rate of 20.9% (variable) your representative APR will be 20.9% (variable).
Other Virgin Money cards
If you spend £1,200 at an annual interest rate of 20.9% (variable) your representative APR will be 20.9% (variable).