The APR on the Clubcard Plus Credit Card is higher compared to your other credit cards. Why is that?
Since you need a Clubcard Plus subscription to benefit from this credit card, the 37.7% APR representative (variable) rate is based on a variable purchase rate of 19.9% per annum and the £7.99 you already pay for your subscription. You won't need to pay an additional subscription fee for your credit card.
