{"id":515039,"date":"2023-11-29T15:51:03","date_gmt":"2023-11-29T15:51:03","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=515039"},"modified":"2026-03-23T16:52:20","modified_gmt":"2026-03-23T16:52:20","slug":"average-credit-card-interest-rate-apr-uk","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/average-credit-card-interest-rate-apr-uk","title":{"rendered":"What is the average credit card APR in the UK?"},"content":{"rendered":"<script \n    type=\"text\/javascript\">\n    function addLink() {\n    var body_element = document.getElementsByTagName('body')[0];\n    var selection;\n    selection = window.getSelection();\n    var k = document.location.href\n    var pagelink = \"<br><br> Source: \";\n    var finder = \"finder.com\"\n    var ke = (finder.link(\"https:\/\/www.finder.com\/uk\/\"));\n    var pagelink2 = \"<br> Analysis conducted by finder.com\";\n    var copytext = selection + pagelink + (k.link(document.location.href)) + pagelink2;\n    var newdiv = document.createElement('div');\n    newdiv.style.position='absolute';\n    newdiv.style.left='-99999px';\n    body_element.appendChild(newdiv);\n    newdiv.innerHTML = copytext;\n    selection.selectAllChildren(newdiv);\n    window.setTimeout(function() {\n    body_element.removeChild(newdiv);\n    },0);\n    }\n    document.oncopy = addLink;\n    <\/script>\n  <p>When comparing <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/best-credit-cards\">credit cards<\/a>, one factor to consider is the annual percentage rate (APR), which shows the total cost of borrowing over a year. We look at the average credit card APR in the UK.<\/p><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">Quick overview<\/h3><ul><li>The average credit card APR in the UK is 36.36%.<\/li><li>The biggest monthly increase in the average APR was between September and October 2023, when it rose from 32.26% to 34.58%.<\/li><li>The average credit card interest rate in the UK (minus fees) is 26.86%.<\/li><\/ul><\/div><\/article><h3>What is the average credit card APR in the UK?<\/h3><p>The UK average credit card APR in March 2026 is 36.36%, an increase of 5.43 percentage points from the average rate of 30.46% in February 2023.<\/p><ul class='nav nav-tabs pb-tabs'><li class=\"active\"><a href=\"#tab8431\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab5561\" data-toggle=\"tab\">Average APR<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-2wH2S\" title=\"Average credit card APR in the UK, 2023-2024\" width=\"100%\" height=\"400\"  scrolling=\"no\" aria-label=\"Interactive line chart\" src=\"https:\/\/datawrapper.dwcdn.net\/2wH2S\/1\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab5561\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\"\n    >\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Month<\/th>\n                            <th scope=\"col\">Average APR<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>Mar 2026<\/td>\n                            <td>36.36%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 2026<\/td>\n                            <td>36.36%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 2026<\/td>\n                            <td>36.32%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 2025<\/td>\n                            <td>35.99%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 2025<\/td>\n                            <td>35.89%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 2025<\/td>\n                            <td>36.34%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 2025<\/td>\n                            <td>36.32%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 2025<\/td>\n                            <td>36.32%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 2025<\/td>\n                            <td>36.03%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 2025<\/td>\n                            <td>35.61%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 2025<\/td>\n                            <td>35.61%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 2025<\/td>\n                            <td>35.62%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 2025<\/td>\n                            <td>35.83%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 2025<\/td>\n                            <td>35.57%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 2025<\/td>\n                            <td>35.55%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 2025<\/td>\n                            <td>35.55%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 2024<\/td>\n                            <td>35.95%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 2024<\/td>\n                            <td>35.78%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 2024<\/td>\n                            <td>35.61%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 2024<\/td>\n                            <td>35.61%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 2024<\/td>\n                            <td>35.49%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 2024<\/td>\n                            <td>35.41%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 2024<\/td>\n                            <td>35.23%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 2024<\/td>\n                            <td>35.41%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 2024<\/td>\n                            <td>35.23%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 2024<\/td>\n                            <td>35.02%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 2024<\/td>\n                            <td>34.85%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 2024<\/td>\n                            <td>34.78%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 2024<\/td>\n                            <td>34.74%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 2024<\/td>\n                            <td>34.58%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 2024<\/td>\n                            <td>32.26%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 2024<\/td>\n                            <td>32.22%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 2024<\/td>\n                            <td>32.35%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 2024<\/td>\n                            <td>32.24%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 2024<\/td>\n                            <td>31.86%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 2024<\/td>\n                            <td>31.24%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 2024<\/td>\n                            <td>31.45%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 2024<\/td>\n                            <td>30.93%<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><h3>What is the average APR for different types of credit cards?<\/h3><p>The average APR (annual percentage rate) varies significantly based on the type of credit or charge card. We outline the average rates based on the type of card below.<\/p><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\"\n    >\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Card type<\/th>\n                            <th scope=\"col\">Average APR<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>Business credit<\/td>\n                            <td>36.25%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Balance transfer<\/td>\n                            <td>25.83%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Frequent flyer<\/td>\n                            <td>59.02%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Overseas<\/td>\n                            <td>32.73%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Credit builder<\/td>\n                            <td>36.09%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Rewards<\/td>\n                            <td>43.17%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Purchase<\/td>\n                            <td>27.52%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Student<\/td>\n                            <td>23.50%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Supermarket<\/td>\n                            <td>34.90%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Cashback<\/td>\n                            <td>27.80%<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><p>For example, frequent flyer cards tend to come with high interest rates, although they allow you to earn bonus points for flights and travel upgrades, as well as other lifestyle benefits. This is similar to rewards credit cards, which typically offer a higher annual fee, because you are offered additional benefits such as cashback, gift cards and vouchers.<\/p><p>Credit builder cards also tend to have slightly higher interest rates than average because the companies will consider applications with a limited or poor credit history, so they charge a higher rate because of the additional risk involved. Meanwhile, student credit cards and balance transfer credit cards tend to have lower rates as they appeal to a different audience.<\/p><p>However, it&#8217;s worth noting there are exceptions, which can vary depending on the products currently available in the market.<\/p><h3>What is the representative APR?<\/h3><p>It&#8217;s important to keep in mind that not everyone who applies for a credit card will receive the representative annual percentage rate (APR) advertised. Instead, this is the advertised rate that applies to at least 51% of those who apply, but you might be offered a different rate depending on your individual application.<\/p><h3>APR vs interest rate: What&#8217;s the difference?<\/h3><p>The main difference between a credit card APR an interest rate, is that the interest rate is the cost of borrowing the principal amount, while the APR also includes an additional fees and charges so it almost always higher than the interest rate. <\/p><h3>What is the average credit card interest rate in the UK?<\/h3><p>The average credit card interest rate was 26.86% in March 2026. This has increased from 24.92% in February 2023 and is up significantly from 21.9% in January 2019. <\/p><p>The interest rate is also referred to as the purchase rate and is lower than the average APR because it does not include fees and other charges, which can be high for certain credit cards. <\/p><ul class='nav nav-tabs pb-tabs'><li class=\"active\"><a href=\"#tab8431-1\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab8541\" data-toggle=\"tab\">Average interest rate<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431-1\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-R4AsY\" title=\"Average credit card interest rate in the UK, 2023-2024\" width=\"100%\" height=\"400\"  scrolling=\"no\" aria-label=\"Interactive line chart\" src=\"https:\/\/datawrapper.dwcdn.net\/R4AsY\/1\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab8541\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\"\n    >\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Month<\/th>\n                            <th scope=\"col\">Average interest rate<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>Mar 2026<\/td>\n                            <td>26.86%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 2026<\/td>\n                            <td>26.78%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 2026<\/td>\n                            <td>26.77%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 2025<\/td>\n                            <td>26.62%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 2025<\/td>\n                            <td>26.55%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 2025<\/td>\n                            <td>26.66%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 2025<\/td>\n                            <td>27.09%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 2025<\/td>\n                            <td>27.09%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 2025<\/td>\n                            <td>26.96%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 2025<\/td>\n                            <td>26.75%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 2025<\/td>\n                            <td>26.63%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 2025<\/td>\n                            <td>26.65%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 2025<\/td>\n                            <td>26.72%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 2025<\/td>\n                            <td>26.38%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 2025<\/td>\n                            <td>26.30%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 2024<\/td>\n                            <td>26.34%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 2024<\/td>\n                            <td>26.28%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 2024<\/td>\n                            <td>26.32%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 2024<\/td>\n                            <td>26.17%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 2024<\/td>\n                            <td>26.05%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 2024<\/td>\n                            <td>26.20%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 2024<\/td>\n                            <td>26.12%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 2024<\/td>\n                            <td>26.11%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 2024<\/td>\n                            <td>26.29%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 2024<\/td>\n                            <td>26.31%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 2024<\/td>\n                            <td>26.25%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 2024<\/td>\n                            <td>26.21%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 2023<\/td>\n                            <td>26.20%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 2023<\/td>\n                            <td>26.18%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 2023<\/td>\n                            <td>26.13%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 2023<\/td>\n                            <td>25.93%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 2023<\/td>\n                            <td>25.72%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 2023<\/td>\n                            <td>25.40%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 2023<\/td>\n                            <td>25.26%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 2023<\/td>\n                            <td>25.40%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 2023<\/td>\n                            <td>25.18%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 2023<\/td>\n                            <td>24.99%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 2023<\/td>\n                            <td>24.92%<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><h3>Why have credit card interest rates been rising?<\/h3><p>The Bank of England raised the rate of the central bank, also known as the base rate, throughout 2022 and 2023 until it hit 5.25% in August 2023. It held the rate at this high point for a while before it was lowered to 5% in August 2024. It is currently at 3.75% as of 30 April 2026.<\/p><p>Interest rates on financial products tend to go up in response to action taken by the Bank of England, and this includes credit cards, which is why the average APR saw a period of increasing.<\/p><p>This is because banks often pass on the increased cost of borrowing to consumers in the form of higher interest rates to maintain overall economic stability.<\/p><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><div data-tags=\"scale-surveys product-data-insight\">\n<h4>Click <a href=\"https:\/\/www.finder.com\/uk\/stats-facts\">here<\/a> for more research. For all media enquiries, please contact \u2013<\/h4>\n\n<p><strong>Matt Mckenna<\/strong><br \/>\nUK Head of Communications<br \/>\n<strong>T:<\/strong> +44 20 8191 8806<\/p>\n\n<div class=\"has-margin-bottom\"><a title=\"email Matt\" href=\"mailto:matt.mckenna@finder.com\" class=\"has-margin-right-xsmall\"><svg class=\"luna-icon\"><use xlink:href=\"#mail-fill\" width=\"24\" height=\"24\"><\/use><\/svg><\/a><a title=\"Finder UK (@findercomUK) on X\" href=\"https:\/\/twitter.com\/findercomUK\" target=\"_blank\" class=\"has-margin-right-xsmall\" rel=\"noopener\"><svg class=\"luna-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\"><use xlink:href=\"#f1-x\"><\/use><\/svg><\/a><a title=\"Matt Mckenna on LinkedIn\" href=\"https:\/\/www.linkedin.com\/in\/matthewmckenna2\/\" target=\"_blank\" class=\"has-margin-right-xsmall\" rel=\"noopener\"><svg class=\"luna-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\"><use xlink:href=\"#f1-linkedin\"><\/use><\/svg><\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>We look at the average APR on credit cards in the UK and how credit card interest rates have changed over time.<\/p>\n","protected":false},"author":1312,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2112],"tags":[],"asset_tag":[],"class_list":["post-515039","post","type-post","status-publish","format-standard","hentry","category-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is the average credit card APR in the UK?<\/title>\n<meta name=\"description\" content=\"We look at the average APR on credit cards in the UK and how credit card interest rates have changed over time.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/average-credit-card-interest-rate-apr-uk\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is the average credit card APR in the UK?\" \/>\n<meta property=\"og:description\" content=\"We look at the average APR on credit cards in the UK and how credit card interest rates have changed over time.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/credit-cards\/average-credit-card-interest-rate-apr-uk\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-29T15:51:03+00:00\" \/>\n<meta name=\"author\" content=\"Sophie Barber\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sophie Barber\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/average-credit-card-interest-rate-apr-uk#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/average-credit-card-interest-rate-apr-uk\"},\"author\":[{\"name\":\"Sophie Barber\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/f47c60d501e5ddf9ce90508d8d3a9ed6\"},{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/4124ff81f216102eb53594e1b4774543\"}],\"headline\":\"What is the average credit card APR in the UK?\",\"datePublished\":\"2023-11-29T15:51:03+00:00\",\"dateModified\":\"2026-03-23T16:52:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/average-credit-card-interest-rate-apr-uk\"},\"wordCount\":857,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"articleSection\":[\"Credit Cards\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"editor\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/81fdb97f130e389795daf564d105092e\"},\"copyrightYear\":\"2023\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"The average APR and interest rates\/purchase rates for UK credit cards were taken from Finder's market database of over 180 cards in 10 categories. 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