1. MoneySavingExpert.com
  2. Borrowing
  3. Credit Cards

In this guide

Tip Email

FREE Weekly MoneySaving email 

For all the latest deals, guides and loopholes simply sign up today - it’s spam free!

Show more
Show less
FAQs Privacy Past Emails Unsubscribe
FAQs Privacy Past Emails Unsubscribe
credit card APR examples

Official APR Examples

All credit cards

Eesha Mohindra
Eesha Mohindra | Edited by Martin Lewis
Updated 18 June 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 every month.

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

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

illustration

APR examples by company

MSE weekly email

FREE weekly MoneySaving email

For all the latest guides, deals and loopholes simply sign up today – it's spam-free!

Show more
Show less
FAQs Privacy Past Emails Unsubscribe
FAQs Privacy Past Emails Unsubscribe

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 21.9% (variable), your representative APR will be 21.9% 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).
Chrome balance transfer If you spend £1,000 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 If you spend £1,200 at an annual interest rate of 21.93% (variable) your representative APR will be 21.9% APR (variable).
Clarity Card If you spend £1,200 at an annual interest rate of 19.93% (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).
Lloyds Bank 0% Purchase and Balance Transfer Card If you spend £1,200 at an annual interest rate of 21.94% (variable) your representative APR will be 21.9% 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 Balance Transfer Credit Card If you spend £1,200 at an annual interest rate of 21.93% (variable), your representative APR will be 21.9% 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)
Dual Transfer and Purchase If you spend £1,200 at an annual interest rate of 21.93% (variable), your representative APR will be 21.9% APR (variable)
M&S Bank M&S Credit Card / Shopper Plus  If you spend £1,200 at an annual interest rate of 21.9% (variable), your representative APR will be 21.9% APR (variable).
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 21.9% (variable) your representative APR will be 21.9% 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 34.94% (variable), your representative APR will be 34.9% APR (variable).
Classic Dual Card If you spend £1,200 at an annual interest rate of 29.94% (variable), your representative APR will be 29.9% 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 21.9% (variable), your representative APR will be 21.9% 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).
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).
Nectar / Nectar Dual Credit Card If you spend £1,200 at an annual interest rate of 20.95% (variable) your representative APR will be 20.9% APR (variable).
Santander Everyday Credit Card If you spend £1,200 at an annual interest rate of 20.9% (variable) your representative APR will be 20.9% APR (variable). 
All in One Card If you spend £1,200 at an annual interest rate of 17.9% (variable) with an annual £36 fee, your representative APR will be 23.7% 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).
Purchases Credit Card / Money Transfer Credit Card If you spend £1,200 at an annual interest rate of 20.9% (variable) your representative APR will be 20.9% 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 Bank Balance Transfer  If you spend £1,000 at an annual interest rate of 33.5% (variable), your representative APR will be 33.5% APR (variable).
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).

MSE weekly email

FREE weekly MoneySaving email

For all the latest guides, deals and loopholes simply sign up today – it's spam-free!

Show more
Show less
FAQs Privacy Past Emails Unsubscribe
FAQs Privacy Past Emails Unsubscribe
Share this guide

Spotted out of date info/broken links? Email: brokenlink@moneysavingexpert.com

MSE Tools & Calculators

Clever ways to calculate your finances 

Cheap Energy Club

We ensure you're on the cheapest tariff

Tool

Loans Eligibility

All of the top unsecured personal loans

Tool

Credit Card Eligibility

Tools for different credit card types & purchases

Tool

Mortgage best buys

Compares thousands of mortgages

Tool

Mortgage Calculator

Eight calcs for all your mortgage sums

Tool

Free complaints tool

Resolver - the automated complaints system

Tool
Tools and Calculators

What the * means above
If a link has an * by it, that means it is an affiliated link and therefore it helps MoneySavingExpert stay free to use, as it is tracked to us. If you go through it, it can sometimes result in a payment or benefit to the site. It's worth noting this means the third party used may be named on any credit agreements.

You shouldn’t notice any difference and the link will never negatively impact the product. Plus the editorial line (the things we write) is NEVER impacted by these links. We aim to look at all available products. If it isn't possible to get an affiliate link for the top deal, it is still included in exactly the same way, just with a non-paying link. For more details, read How this site is financed.

MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). The registered office address of both MoneySupermarket.com Group PLC and MoneySupermarket.com Financial Group Limited (registered in England No. 3157344) is MoneySupermarket House, St. David's Park, Ewloe, Chester, CH5 3UZ. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited.