What is representative APR on a credit card?
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In short: The APR at least 51% of approved applicants must receive — your actual rate may be higher depending on credit score. Compare representative APR across cards but check your personalised quote after a soft eligibility check.
Last reviewed:
Reviewed by Kaiser Khan
FCA rules require the representative APR to reflect the rate offered to most successful applicants.
Cash advance and foreign transaction rates are usually higher than purchase APR.
See compare credit cards guide.
Primary source: fca.org.uk/consumers/credit-cards
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