Average credit card APR
The commercial-bank average interest rate on credit card plans, all accounts.
What moves it
Funding costs, credit losses, and the margin banks keep. It does not move one-for-one with mortgage rates.
How it affects you
A higher APR raises the interest a carried balance accrues each month.
Open the Credit card payoff calculator
Source: Federal Reserve via FRED. Figures on the rates page are loaded live. This guide does not predict the next move.