Card APR Margin Index by issuer size
Median purchase APRs reported in the CFPB Terms of Credit Card Plans survey for July 1-December 31, 2025. The comparison uses medians and separately reports missing submissions and values outside the accepted range.
| Credit tier | Top 25 median | Smaller issuer median | APR gap | Annual gap on $5,000 |
|---|---|---|---|---|
| poor | 27.74% (n=148) | 17.99% (n=114) | 9.75 pts | $488 |
| good | 28.49% (n=252) | 15.99% (n=141) | 12.50 pts | $625 |
| great | 23.99% (n=252) | 12.70% (n=142) | 11.29 pts | $564 |
Methodology
Products are grouped by the CFPB’s “Issued by Top 25 Institution” flag. For each reported credit tier, SwitchWize calculates the median valid purchase APR. Missing submissions are counted separately from values outside the accepted 0%–60% range. This compares offered products, not balances or accounts weighted by issuer market share.