Credit Card Rates Today
As of December 2025 · Updated monthly
Prime Rate
6.75%
-0.25% from last month
Fed Funds + 3%
Avg Card APR
20.97%
Federal Reserve survey data
14.2% above Prime
Delinquency Rate
2.94%
of accounts 30+ days late
Cost of Carrying a Balance
at 21.0% APRInterest calculated at average APR. Payoff assumes 2% minimum payment. Actual rates vary by card and creditworthiness.
How Your APR Is Set
Most variable-rate cards = Prime Rate + a fixed margin set by the issuer. When the Fed raises rates, your card APR rises within 1–2 billing cycles.
Prime Rate — Last 12 Months
What APR are you paying?
Share your card's actual rate. Unlock real approval odds by score range.
Submit your rate →Reducing Your APR
0% intro APR cards — balance transfers can reset the clock. Look for 15–21 month 0% offers.
Credit score matters — a 750+ score unlocks cards with margins 5–8% below the median.
Call and ask — issuers often lower APR by 3–5% for customers who ask once per year.
Credit Card Cost Calculator
See the true cost of your balance with your specific rate and payment.
Open calculator →Data source
Federal Reserve Bank Prime Loan Rate (PRIME) and Terms of Credit Card Plans Survey (TERMCBCCALLNS) via FRED. Updated monthly.