Verified July 1-December 31, 2025

What is the average credit card APR today?

For a 'good credit' cardholder, cards from the Top 25 card issuers carry a median purchase APR of 28.49%, versus 15.99% at smaller issuers, a 12.5-point gap (CFPB TCCP survey, July 1-December 31, 2025). There is no single "overall average" APR in the CFPB's data; it varies by credit tier and issuer size.

This figure comes directly from CFPB Terms of Credit Card Plans survey (July 1-December 31, 2025), refreshed from live rate data — not a fixed estimate. It is not personalized financial advice; your own best move depends on your bank, balance, and goals.

See the full Card APR Margin Index by tier

Reviewed September 26, 2026 by the SwitchWize Research Desk.