Average Credit Card APRs (2026)
21.8%
Average APR on credit cards charging interest
Summary
The average credit card APR for accounts charging interest is 21.8% in 2026 — the highest in recorded history (Federal Reserve data back to 1994). Subprime cards run 26-29%; secured cards average 23%; rewards cards average 22%. Carrying a $5,000 balance at average APR costs $1,090/year in interest alone.
Breakdown
Source
Federal Reserve G.19 Consumer Credit· As of 2026-Q1
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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.