Explore
Credit-Card Interest Rate
Average interest rate across all credit-card accounts.
20.9%
Percent · latest, May 2026
vs prior month▼ 0.1 pp
vs year ago▼ 0.2 pp
| 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% |
Hover the line to read any month. Drag across the chart to zoom; double-click to reset.
Source: FRED · TERMCBCCALLNS · series · Nov 1994 to May 2026 · latest-revised
Refreshed Jul 31, 2026 from FRED.
Average interest rate across all credit-card accounts.
Average interest rate assessed across all credit-card accounts at commercial banks.
Source: FRED · May 2026 · Full lesson → Learn
About the bands. Shaded spans are NBER-dated US recessions, drawn as factual overlays. They mark when the economy contracted, not why. Lining an event up with a move is not evidence it caused the move.
Read across
No single number is the economy. These measure nearby parts of it — add one to compare, or open it on its own.
- Credit-Card Rate (Balances) The higher rate paid by accounts that carry a balance.
- Credit-Card Delinquency Rate Card balances falling behind, alongside their cost.
- Federal Funds Rate The policy rate that card rates sit far above.