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credit card APR examples

Official APR Examples

All credit cards

Eesha Mohindra
Eesha Mohindra | Edited by Martin Lewis
Updated 18 January 2021

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.

See the following guides for all the current best-buy credit cards... 

Balance Transfers | 0% Money Transfers | 0% Credit Cards For Spending | 0% Balance Transfer & Spending | Credit Card Rewards | Airline Credit Cards | Cards For Rebuilding Credit | Travel Credit Cards

illustration

APR examples by company

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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.
 

Credit card companies' representative APR examples

PROVIDER CREDIT CARD REPRESENTATIVE APR
118 118 Money Guaranteed rate If you spend £500 at an annual interest rate of 34% (variable), your representative APR will be 34% APR (variable).
Amazon Classic If you spend £1,200 at an annual interest rate of 29.94% (variable), your representative APR will be 29.9% APR (variable).
Platinum If you spend £1,200 at an annual interest rate of 21.94% (variable), your representative APR will be 21.9% APR (variable).
American Express (Amex) British Airways If you spend £1,200 at an annual interest rate of 22.2% (variable), your representative APR will be 22.2% APR (variable).
British Airways Premium If you spend £1,200 at an annual interest rate of 22.2% (variable) with a £195 annual fee, your representative APR will be 74.7% APR (variable).
Nectar If you spend £1,200 at an annual interest rate of 22.2% (variable) with a £25 annual fee, your representative APR will be 27.3% APR (variable).
Platinum Cashback 

If you spend £1,200 at an annual interest rate of 22.2% (variable) with a £25 annual fee, your representative APR will be 27.3% APR (variable).
Platinum Cashback Everyday If you spend £1,200 at an annual interest rate of 22.2% (variable), your representative APR will be 22.2% APR (variable).
Preferred Rewards Gold

If you spend £1,200 at an annual interest rate of 22.2% (variable) with a £140 annual fee, your representative APR will be 56.6% APR (variable).
Rewards

If you spend £1,200 at an annual interest rate of 22.2% (variable), your representative APR will be 22.2% APR (variable).
Aqua Aqua / Aqua Advance

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

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

If you spend £1,200 at an annual interest rate of 29.8% (variable), your representative APR will be 29.8% APR (variable).
Barclaycard  Barclaycard Platinum If you spend £1,200 at an annual interest rate of 20.9% (variable), your representative APR will be 20.9% APR (variable).
Forward If you spend £1,200 at an annual interest rate of 33.9% (variable), your representative APR will be 33.9% APR (variable).
Rewards If you spend £1,200 at an annual interest rate of 22.9% (variable) your representative APR will be 22.9% APR (variable).
British Airways American Express If you spend £1,200 at an annual interest rate of 22.2% (variable), your representative APR will be 22.2% APR (variable).
American Express Premium Plus If you spend £1,200 at an annual interest rate of 22.2% (variable) with an annual £195 fee, your representative APR will be 74.7% APR (variable).
Capital One Balance Transfer / Classic / Classic Complete If you spend £1,200 at an annual interest rate of 34.94% (variable), your representative APR will be 34.9% APR (variable).
Platinum If you spend £1,200 at an annual interest rate of 29.84% (variable), your representative APR will be 29.8% APR (variable).
Chrome Chrome 24.7% If you spend £1,200 at an annual interest rate of 24.7% (variable), your representative APR will be 24.7% APR (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% APR (variable).
Fluid Credit Card If you spend £1,200 at an annual interest rate of 34.94% (variable) your representative APR will be 34.9% APR (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% APR (variable).
Clarity Card If you spend £1,200 at an annual interest rate of 19.95% (variable) your representative APR will be 19.9% APR (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% APR (variable).
Purchase Plus If you spend £1,200 at an annual interest rate of 22.9% (variable) your representative APR will be 22.9% APR (variable).
John Lewis/ Waitrose
 Partnership Card If you spend £1,200 at an annual interest rate of 18.9% (variable), your representative APR will be 18.9% APR (variable).
Marbles Marbles Card If you spend £1,200 at an annual interest rate of 32.94% (variable) your representative APR will be 32.9% APR (variable).
MBNA Transfer and Purchase / Platinum / Balance Transfer Credit Card If you spend £1,200 at an annual interest rate of 20.93% (variable), your representative APR will be 20.9% APR (variable)
Money Transfer Credit Card If you spend £1,200 at an annual interest rate of 22.93% (variable), your representative APR will be 22.9% APR (variable)
M&S Bank M&S Credit Card / Shopper Plus / Reward Plus If you spend £1,200 at an annual interest rate of 19.9% (variable), your representative APR will be 19.9% APR (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% APR (variable).
NatWest  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% APR (variable).
NatWest Credit Card If you spend £1,200 at an annual interest rate of 9.9% (variable) your representative APR will be 9.9% APR (variable).
Ocean 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% APR (variable).
Post Office Classic Card If you spend £1,200 at an annual interest rate of 34.9% (variable), your representative APR will be 34.9% APR (variable).
Travel Credit Card If you spend £1,200 at an annual interest rate of 24.9% (variable), your representative APR will be 24.9% APR (variable).
RBS 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% APR (variable).
Sainsbury's Bank Balance Transfer Credit Card If you spend £1,200 at an annual interest rate of 21.95% (variable) your representative APR will be 21.9% APR (variable).
Balance Transfer Credit Card (No/ low fee) If you spend £1,200 at an annual interest rate of 21.95% (variable) your representative APR will be 21.9% APR (variable).
Nectar Purchase / Dual Credit Card If you spend £1,200 at an annual interest rate of 21.95% (variable) your representative APR will be 21.9% APR (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% APR (variable). 
All in One Card If you spend £1,200 at an annual interest rate of 15.9% (variable) with an annual £36 fee, your representative APR will be 21.7% APR (variable).
Tesco Bank Foundation Credit Card If you spend £1,200 at an annual interest rate of 27.5% (variable) your representative APR will be 27.5% APR (variable).
Balance Transfer / Money Transfer Credit Card If you spend £1,200 at an annual interest rate of 19.9% (variable) your representative APR will be 19.9% APR (variable). 
All round If you spend £1,200 at an annual interest rate of 20.9% (variable) your representative APR will be 20.9% APR (variable). 
Think Money 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% APR (variable).
TSB Balance Transfer Card /  Purchase Card If you spend £1,200 at an annual interest rate of 19.95% (variable) your representative APR will be 19.9% APR (variable).
Ulster Bank 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% APR (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% APR (variable).
Virgin Money 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% APR (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% APR (variable). 
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% APR (variable). 
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% APR (variable).
Travel Credit Card If you spend £1,200 at an annual interest rate of 21.9% (variable) your representative APR will be 21.9% APR (variable).

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