Credit-Card Interest Rate
20.9%
· May 2026
econ
scout
2001 Recession · Mar 2001 – Nov 2001
Global Financial Crisis · Dec 2007 – Jun 2009
COVID-19 Recession · Feb 2020 – Apr 2020
12%
14%
16%
18%
20%
1995
2000
2005
2010
2015
2020
2025
20.9%
Credit-Card Interest Rate — one value per year; US recessions are shaded on the chart.
Year
Credit-Card Interest Rate
1994
15.7%
1995
15.8%
1996
15.6%
1997
15.8%
1998
15.7%
1999
15.1%
2000
16.0%
2001
14.2%
2002
13.1%
2003
12.3%
2004
12.5%
2005
12.6%
2006
13.3%
2007
12.8%
2008
12.0%
2009
13.6%
2010
13.4%
2011
12.4%
2012
11.9%
2013
11.8%
2014
12.0%
2015
12.2%
2016
12.4%
2017
13.2%
2018
14.7%
2019
14.9%
2020
14.7%
2021
14.5%
2022
19.1%
2023
21.5%
2024
21.5%
2025
21.0%
2026
20.9%
Source: FRED · TERMCBCCALLNS · econscout.com