Quick answer
The average credit card APR at US commercial banks was 21.19% on all accounts and 22.36% on accounts that were charged interest for the period beginning 2026-08-01, per the Federal Reserve G.19 release. This is published data, not a quote or advice.
Data as of 2026-08-01. Source: Federal Reserve G.19 via FRED
| Date | All accounts | Accounts assessed interest |
|---|---|---|
| 2026-08-01 | 21.19% | 22.36% |
| 2026-05-01 | 20.94% | 22.15% |
| 2026-02-01 | 21.00% | 21.52% |
| 2025-11-01 | 20.97% | 22.30% |
| 2025-08-01 | 21.39% | 22.83% |
| 2025-05-01 | 21.16% | 22.25% |
| 2025-02-01 | 21.37% | 21.91% |
| 2024-11-01 | 21.47% | 22.80% |
| 2024-08-01 | 21.76% | 23.37% |
| 2024-05-01 | 21.51% | 22.78% |
| 2024-02-01 | 21.59% | 22.63% |
| 2023-11-01 | 21.47% | 22.75% |
| 2023-08-01 | 21.19% | 22.77% |
| 2023-05-01 | 20.84% | 22.16% |
| 2023-02-01 | 20.09% | 20.92% |
| 2022-11-01 | 19.07% | 20.40% |
| 2022-08-01 | 16.27% | 18.43% |
| 2022-05-01 | 15.13% | 16.65% |
| 2022-02-01 | 14.56% | 16.17% |
| 2021-11-01 | 14.51% | 16.44% |
| 2021-08-01 | 14.54% | 17.13% |
| 2021-05-01 | 14.61% | 16.30% |
| 2021-02-01 | 14.75% | 15.91% |
| 2020-11-01 | 14.65% | 16.28% |
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Last updated 2026-10-16. Data only, not financial or tax advice.