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 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.

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.

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 22.9% (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 22.9% (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 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 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 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 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 19.9% (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 19.95% (variable) your representative APR will be 19.9% (variable).

Sainsbury's Balance Transfer Credit Card

If you spend £1,200 at an annual interest rate of 20.95% (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).

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 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 18.9% (variable) your representative APR will be 18.9% (variable).

Think Money Credit Card

If you spend £1,200 at an annual interest rate of 35.9% (variable) your representative APR will be 35.9% (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 £1,200 at an annual interest rate of 39.9% (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). 

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