Home RatesCard APRs

No weekly change

Credit Card APR Trends

Track credit card APR pressure and see when balance transfer or debt payoff actions may save money.

Typical purchase APR

24.99% APR

Benchmark average

22.50% APR

User opportunity

25 bps can matter on large balances

Historical archive

Card APRs over time

No weekly change

Sep 21

17.49%

Sep 22

17.49%

Sep 23

17.49%

What changed

Rates are holding steady, which makes comparison discipline more important than timing.

Why it matters

Is my card balance too expensive to carry?

What to do next

Calculate payoff cost, then compare 0% intro APR options.

How we track this rateShow

SourceSwitchWize Rate Scout (Bankrate), updated daily

MethodTypical purchase APR sourced from SwitchWize Rate Scout daily scrape of Bankrate card listings. Variable APRs track the prime rate; shown value reflects current market average. Individual card APR depends on creditworthiness.

Verified existing coverage

Use what SwitchWize already has

6 links

GuideBalance Transfer Guide: Save Thousands on Credit Card DebtA complete balance transfer guide covering 0% APR offers, transfer fees, payoff strategies, and how to decide if a balance transfer or personal loan fits your debt situation.GuideThe Rule Capping Late Fees at $8 Died in Court. Most Issuers Kept the $8 Anyway.A federal court vacated the CFPB's $8 credit card late fee rule in 2025. Legally, issuers could go back to charging up to $41. Most large issuers haven't. Here's why, and why that could change without warning.GuideHow an AI Agent Can Audit Your Credit Card Wallet's RewardsTell an AI agent which cards you hold and it can rank this week's highest-value move: which card to use per spend category, unused benefit credits you're leaving on the table, and whether a welcome offer elsewhere beats what you already have.GuideThe $1,223 Holiday: Why a Season of Small Purchases Becomes a Year of InterestNothing Lena bought in December cost more than $220. By the time she finishes paying for it, the season could cost her $46 or $1,187, and the difference comes down to a box on her statement that she has never once read.CalculatorBalance Transfer Savings CalculatorCompare estimated balances after an entered promotional period, including the transfer fee and fixed payments.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

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Benchmark

Prime Rate

No weekly change

6.63%

Prime rate

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