The average credit card interest rate is 19.57%, down from a record-high 20.79% set on Aug. 14, 2024.

Current credit card interest rates

Weekly national averages Variable

04/22/2026 19.57%

04/15/2026 19.57%

04/08/2026 19.58%

04/01/2026 19.58%

03/25/2026 19.58%

03/18/2026 19.58%

03/11/2026 19.58%

03/04/2026 19.58%

02/25/2026 19.59%

02/18/2026 19.60%

02/11/2026 19.60%

02/04/2026 19.61%

01/28/2026 19.61%

01/21/2026 19.62%

01/14/2026 19.64%

01/07/2026 19.65%

12/31/2025 19.72%

12/24/2025 19.73%

12/17/2025 19.75%

12/10/2025 19.80%

Bankrate Data Center

Since 1976, Bankrate has been the go-to source for personal finance data, publishing average rates on the most popular financial products and tracking the experience of consumers nationwide.

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Historical interest rates

How are credit card rates set?

The typical credit card rate formula is the Prime Rate plus a profit margin set by the card issuer. On average, this margin often runs between 12% and 13%.…