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National average credit card APR from the Federal Reserve G.19: 21.47%.
Current National Average APR
21.47%
Source: Fed G.19
5/15/2026
Est. min payment: $139.46
Payoff Timeline
34 mo
at 21.47% APR, $200/mo
Total Interest
$1800.00
Total Paid
$6800.00
Options to lower your effective rate: balance transfer to 0% intro card (usually 3–5% transfer fee), personal loan at 10–15%, or negotiating directly with your issuer.
Credit card APRs include a risk premium for unsecured lending and charge-offs (defaulted accounts). Even as the Fed funds rate changes, card APRs tend to be sticky downward.
USA Average Credit Card APR Tracker shows the Federal Reserve G.19 national average credit card APR and calculates your payoff timeline and total interest for a given balance and monthly payment.
USA Average Credit Card APR Tracker is a high-performance utility designed to help users streamline their workflow. Built with modern web technologies, it ensures fast processing times and high-quality outputs directly in your browser.
Rate from FRED series TERMCBCCALLNS represents the quarterly average interest rate on credit card plans at all reporting banks, from the Federal Reserve G.19 Consumer Credit release. Payoff months uses: −ln(1 − r×B/PMT) / ln(1+r), where r = monthly rate.
Credit cards are unsecured revolving debt. Lenders price in the risk of default (charge-offs), which run 3–5% annually. Even when the Fed cuts rates, card APRs tend to stay elevated.
Yes significantly. Excellent credit (750+) can qualify for APRs 5–8% below the national average, while fair or poor credit may face rates of 25–30%.
A balance transfer card offers 0% APR for an intro period (typically 12–21 months) to pay down existing debt. A 3–5% transfer fee applies, but total savings can be substantial on large balances.
Most credit card APRs are variable, tied to the Prime Rate (Fed Funds Rate + 3%). When the Fed raises rates, card APRs typically follow within 1–2 billing cycles. But they're slow to drop when rates fall.
Pay off multiple credit cards using avalanche or snowball method.
Calculate your front-end and back-end DTI ratio for mortgage qualification.
National average auto loan rates for 48-month and 60-month new car loans from the Federal Reserve G.19.