SwitchWizeFinancial Decisions, Made Clearer
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 November 10, 2026 by the SwitchWize Research Desk.

Get the week's biggest rate changes in savings, CDs and mortgages, free.

Or run your Money Map in 90 seconds.

Send me the weekly SwitchWize rate briefing: the biggest changes in savings, money market, checking and CD rates. Unsubscribe in one click. We never share your address.