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Credit Card Interest Rate

Average interest rate on U.S. credit card accounts, %

21.2% in Q3 2026+5.5 pp since Q4 1994
YTD1y2y5y10y20yAll
ForecastOffContinuationForesight™
Show ▾
U.S. recessionsShades the months the NBER dates as recession. U.S. charts only.5-year rangeThe highest and lowest readings of the last five years, as a band. One-series charts only.High and lowMarks the highest and lowest readings in the window shown.
Current·Data to Q3 2026

Plays the chart through its history. Pauses are where the data set a record or moved most.

Continuation · the recent trend, flattening · 1 year

Dashed: the projection from the latest reading. Shaded: the range about two in three outcomes land in. A projection, not a promise.

The average rate banks charge on credit card accounts, from the Federal Reserve. It follows the policy rate with a lag and rarely gives much back when rates fall.

What this chart reads

Sources

Credit Card Interest Rate (All Accounts). Source: Federal Reserve Board (G.19) via FRED (TERMCBCCALLNS). Public.

Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.

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