Credit card APRs & fees by issuer
The raw terms 171 issuers reported to the CFPB — surveyed purchase APR ranges and fees. CFPB TCCP survey, Jul-Dec 2025.
The U.S. average credit-card APR is about 21% across all accounts and 21.52% on accounts charged interest (Federal Reserve G.19, Q1 2026). Underneath that average, terms vary enormously by issuer: the CFPB Terms of Credit Card Plans survey shows large banks charging roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions for the same credit tier. This site surfaces the raw surveyed terms — purchase APR ranges and fees — for 171 issuers (28 of them top-25 issuers, 130 credit unions). These are surveyed terms, not offers.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Average purchase APR by credit tier: large vs small issuers
The CFPB's headline finding. Median purchase APR reported to the survey, split by issuer size and by the applicant's credit tier:
| Credit tier | Large issuers (top 25) | Small banks & credit unions |
|---|---|---|
| Great credit (720+) | 22.99% | 15.24% |
| Good credit (620-719) | 28.2% | 18.15% |
| Poor credit (<= 619) | 28.49% | 20.62% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
See the full average-APR hub and the what-APR-can-I-expect by credit score guides.
Highest surveyed purchase APRs
| Issuer | Type | Surveyed purchase APR |
|---|---|---|
| Comenity Bank | Store / retail-card issuer | 17.74% – 35.99% |
| Webbank | Credit-card bank | 29.99% – 35.99% |
| Stride Bank | Credit-card bank | 9.24% – 35.74% |
| Barclays Bank Delaware | Credit-card bank | 17.49% – 34.99% |
| Comenity Capital Bank | Store / retail-card issuer | 17.74% – 34.99% |
| Synchrony Financial | Store / retail-card issuer | 17.74% – 34.99% |
Lowest surveyed purchase APRs
| Issuer | Type | Surveyed purchase APR |
|---|---|---|
| Homeland Credit Union, Inc. | Credit union | 3% – 18.99% |
| 360 Federal Credit Union | Credit union | 3.99% |
| First American Credit Union | Credit union | 3.99% – 18.99% |
| Tinker Federal Credit Union | Credit union | 3.99% – 18% |
| Empower Blue Credit Union | Credit union | 4% – 18% |
| Red Canoe Credit Union | Credit union | 4.9% – 23.9% |
Full highest and lowest APR rankings.
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Surveyed APR + fees per issuer.
Average APR nowNational + by issuer size & type.
By credit scoreWhat APR to expect at 720+, 620-719, 619-.
Payoff calculatorMonths to pay off + total interest.
RankingsHighest, lowest, most products.
GuidesHow to read your card's terms.
Frequently asked questions
What is the average credit card APR right now?
The Federal Reserve G.19 release puts the national average APR at 21% across all credit-card accounts and 21.52% on accounts actually charged interest (Q1 2026, down from 22.3% the prior quarter). In the CFPB's Terms of Credit Card Plans survey, the median maximum purchase APR across surveyed cards is about 27.49%.
Do large banks really charge more than small banks and credit unions?
Yes. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers). For someone with good credit (620-719), the median purchase APR was 28.2% at large issuers versus 18.15% at small banks and credit unions. ~$400-$500/yr saved on an average $5,000 balance by using a small bank or credit union card instead of a large issuer (CFPB).
Where does this data come from?
From the CFPB Terms of Credit Card Plans (TCCP) survey, a semiannual survey the Bureau is required by law to run. It covers 663 credit-card products from over 150 issuers (the 25 largest plus a geographically distributed sample of smaller banks and credit unions). The data is U.S. public domain.
Are these APRs an offer I can get?
No. These are the terms issuers reported to the regulator - they are not offers and not personalized quotes. Your actual APR depends on your credit profile and the issuer's underwriting. Always verify the current terms with the issuer before applying.
Sources & accuracy
Issuer terms from the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025); national average APR from the Federal Reserve G.19 Consumer Credit (Q1 2026). Surveyed terms are not offers. See our methodology and disclaimer.
Last updated: 2026-06-29