There are regulations governing how APRs must be displayed, and below we have included credit card companies' official examples of the interest rate works (see APR examples for loans).
Yet these should be of no practical use for anyone following most of our techniques properly, as 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.
AA Reward Plus
If you spend £1,200 at an annual interest rate of 19.9% (variable) your Representative APR will be 19.9% (variable).
Barclaycard Simplicity
If you spend £1,200 at an annual interest rate of 7.9% (variable) your Representative APR will be 7.9% (variable).
MBNA Rate for Life
If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Barclaycard Platinum 24 months 0%
If you spend £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
Barclaycard Platinum 22 months 0%
If you spend £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
Barclaycard Platinum 20 months 0%
If you spend £1,200 at an annual interest rate of 17.5% (variable) your Representative APR will be 17.5% (variable).
Barclaycard Platinum 16 months 0%
If you spend £1,200 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
MBNA Platinum Visa
If you spend £1,200 at an annual interest rate of 16.7% (variable) your Representative APR will be 16.7% (variable).
Virgin
If you spend £1,200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% (variable).
Virgin 16 month BT
If you spend £1,200 at an annual interest rate of 16.6% (variable) your Representative APR will be 16.6% (variable).
Virgin 13 months 0% on purchases & BTs
If you spend £1,200 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
RBS Platinum
If you spend £1,200 at an annual interest rate of 16.6% (variable) your Representative APR will be 16.6% (variable).
Natwest Platinum
If you spend £1,200 at an annual interest rate of 16.6% (variable) your Representative APR will be 16.6% (variable) .
HSBC
If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
First Direct Gold
If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Barclaycard Platinum 0% for 14 months
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 15.9% (variable) your Representative APR will be 15.9% (variable).
Yorkshire/Clydesdale
If you spend £1,200 at an annual interest rate of 15.76% (variable) your Representative APR will be 16.9% (variable).
Halifax Plus
If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Egg
If you spend £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
Santander Credit Card
If you spend £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
Barclaycard Gold
If you spend £1,200 at an annual interest rate of 19.9% (variable) your Representative APR will be 19.9% (variable).
Play.com Credit Card
If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Northern Bank Mastercard Standard
If you spend £1,200 at an annual interest rate of 22.9% (variable) your Representative APR will be 22.9% (variable).
Tesco Clubcard Credit Card
If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Natwest Classic
If you spend £1,200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
RBS Classic
If you spend £1,200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Sainsbury's Credit Card
If you spend £1,200 at an annual interest rate of 15.94% (variable) your Representative APR will be 15.9% (variable).
Sainsbury's (non Nectar) Credit Card
If you spend £1,200 at an annual interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).
Amex Platinum
If you spend £1,200 at an annual interest rate of 14.0% (variable) with a £25 annual fee, your Representative APR will be 18.5% (variable).
Amex Rewards
If you spend £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
Halifax Clarity
If you spend £1,200 at an annual interest rate of 12.9% (variable) your Representative APR will be 12.9% (variable).
Halifax Rewards Clarity
If you spend £1,200 at an annual interest rate of 12.9% (variable) your Representative APR will be 12.9% (variable).
Halifax All In One
If you spend £1,200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Bank of Scotland All In One
If you spend £1,200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Capital One World Mastercard
If you spend £1,200 at a purchase interest rate of 19.94% (variable) your Representative APR will be 19.9% (variable).
Egg Money World Mastercard
If you spend £1,200 at an annual interest rate of 16.9% (variable) with a £1 monthly fee, your Representative APR will be 19.0% (variable).
Co-op Members Cashback Card
If you spend £1,200 at an annual interest rate of 15.9% (variable), your Representative APR will be 15.9% (variable).
Saga Platinum
If you spend £1,200 at an annual interest rate of 11.9% (variable), your Representative APR will be 11.9% (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).
Santander 123
If you spend £1,200 at an annual interest rate of 18.9% (variable) with a £24 annual fee, your Representative APR will be 22.8% (variable).
Post Office Card
If you spend £1,200 at an annual interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).
Sainsburys Gold
If you spend £1,200 at an annual interest rate of 9.94% (variable) with a £5 monthly fee, your Representative APR will be 20.1% (variable).
Post Office Card
If you spend £1,200 at an annual interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable)
Lloyds Airmiles Duo
If you spend £1,200 at an annual interest rate of 15.9% (variable), your Representative APR will be 15.9% (variable).
Lloyds Airmiles Duo Premier
If you spend £1,200 at an annual interest rate of 13.128% (variable) with an annual fee of £50, your Representative APR will be 21.9% (variable)
BMI Amex
If you spend £1,200 at an annual interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).
BMI Plus Amex
If you spend £1,200 at an annual interest rate of 17.9% (variable) with an annual fee of £85, your Representative APR will be 34.5% (variable)
Amex Nectar
If you spend £1,200 at an annual interest rate of 19.9% (variable), your Representative APR will be 19.9% (variable)
Flybe Card
If you spend £1,200 at an annual interest rate of 18.9% (variable), your Representative APR will be 18.9% (variable)
Amazon Credit Card
If you spend £1,200 at an annual interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable)
Ryanair Card
If you spend £1,200 at an annual interest rate of 19.9% (variable), your Representative APR will be 19.9% (variable).
British Airways Amex
If you spend £1,200 at an annual interest rate of 19.9% (variable), your Representative APR will be 19.9% (variable).
British Airways Amex Premium Plus
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 50.1% (variable)
Capital One Progress
If you spend £1,200 at an annual interest rate of 29.94% (variable), your Representative APR will be 29.9% (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).
Barclaycard Initial
If you spend £1,200 at an annual interest rate of 29.9% (variable), your Representative APR will be 29.9% (variable).
Aquacard
If you spend £1,200 at an annual interest rate of 35.9% (variable), your Representative APR will be 35.9% (variable).
Vanquis
If you spend £1,200 at an annual interest rate of 39.9% (variable), your Representative APR will be 39.9% (variable).
M&S; Credit Card
If you spend £1,200 at an annual interest rate of 15.9% (variable), your Representative APR will be 15.9% (variable)
British Home Stores card
If you spend £1,200 at an annual interest rate of 18.9% (variable), your Representative APR will be 18.9% (variable).
Hilton Hhonors
If you spend £1,200 at an annual interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).
Ulster Gold
If you spend £1,200 at an annual interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).
MBNA Amex cashback
If you spend £1,200 at an annual interest rate of 18.9% (variable), your Representative APR will be 18.9% (variable).
MBNA Visa cashback
If you spend £1,200 at an annual interest rate of 18.9% (variable), your Representative APR will be 18.9% (variable).
Barclaycard Platinum 0% for 19 months
If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Barclaycard Platinum 0% for 14 months
If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Lloyds Platinum
If you spend £1,200 at an annual interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable).
Sainsbury's Nectar
If you spend £1,200 at an annual interest rate of 12.9% (variable) your Representative APR will be 12.9% (variable).
Sainsbury's 6.9%
If you spend £1,200 at an annual interest rate of 6.9% (variable) your Representative APR will be 6.9% (variable).
Bank of Scotland Plus
If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Capital Purchase Plus
If you spend £1,200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% (variable).
Capital One Click
If you spend £1,200 at an annual interest rate of 9.9% (variable) your Representative APR will be 9.9% (variable).
Lastminute.com card
If you spend £1,200 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
