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Credit-Card Rate (Balances)
Average rate on the card accounts that actually carry a balance.
22.1%
Percent · latest, May 2026
vs prior month▲ 0.6 pp
vs year ago▼ 0.1 pp
| Year | Credit-Card Rate (Balances) |
|---|---|
| 1994 | 15.8% |
| 1995 | 15.7% |
| 1996 | 15.5% |
| 1997 | 15.7% |
| 1998 | 15.7% |
| 1999 | 14.8% |
| 2000 | 15.3% |
| 2001 | 13.9% |
| 2002 | 12.8% |
| 2003 | 12.9% |
| 2004 | 13.9% |
| 2005 | 14.5% |
| 2006 | 15.1% |
| 2007 | 14.4% |
| 2008 | 13.4% |
| 2009 | 14.4% |
| 2010 | 13.7% |
| 2011 | 12.8% |
| 2012 | 12.8% |
| 2013 | 12.9% |
| 2014 | 13.7% |
| 2015 | 13.7% |
| 2016 | 13.6% |
| 2017 | 15.0% |
| 2018 | 16.9% |
| 2019 | 16.9% |
| 2020 | 16.3% |
| 2021 | 16.4% |
| 2022 | 20.4% |
| 2023 | 22.8% |
| 2024 | 22.8% |
| 2025 | 22.3% |
| 2026 | 22.1% |
Hover the line to read any month. Drag across the chart to zoom; double-click to reset.
Source: FRED · TERMCBCCINTNS · series · Nov 1994 to May 2026 · latest-revised
Refreshed Jul 31, 2026 from FRED.
Average rate on the card accounts that actually carry a balance.
Average rate on credit-card accounts that are assessed interest (i.e. carry a balance).
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.