What APR can I expect by credit score?
Median surveyed purchase APR by credit tier and issuer size · CFPB TCCP survey, Jul-Dec 2025
Your credit score places you in a tier, and the card quotes an APR within its range based on that tier. In the CFPB survey, the median purchase APR was 22.99% for great credit (720+), 28.2% for good credit (620-719) and 28.49% for poor credit (619 or less) at large issuers - and several points lower at small banks and credit unions. Surveyed medians, not an offer: your actual APR depends on the issuer.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Median purchase APR by credit tier
| Credit tier | Large issuers | Small banks & credit unions |
|---|---|---|
| Great credit (720+) | 22.99% | 15.24% |
| Good credit (620–719) | 28.2% | 18.15% |
| Poor credit (619 or less) | 28.49% | 20.62% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Pick your credit tier
22.99% large issuers · 15.24% small/CU. Read more →
Good credit (620–719)28.2% large issuers · 18.15% small/CU. Read more →
Poor credit (619 or less)28.49% large issuers · 20.62% small/CU. Read more →
Frequently asked questions
What APR can I get with a 720 credit score?
With great credit (720+), the CFPB survey median purchase APR was 22.99% at large issuers and 15.24% at small banks and credit unions. A strong score puts you at the low end of a card's quoted range - but the exact APR still depends on the issuer's underwriting.
What APR should I expect with a 650 credit score?
A 650 score sits in the 'good' tier (620-719). The CFPB median purchase APR for that tier was 28.2% at large issuers and 18.15% at small banks and credit unions. Choosing a credit union can save several percentage points at the same score.
Can I get a card with poor credit (under 620)?
Yes, but at a higher APR. The CFPB median for the poor tier (619 or less) was 28.49% at large issuers and 20.62% at small banks and credit unions. Secured cards and credit-union cards are usually the cheapest way to build or rebuild credit.
Sources & accuracy
CFPB Terms of Credit Card Plans (TCCP) Survey, U.S. public domain, CFPB TCCP survey, Jul-Dec 2025. Surveyed medians are not offers - your APR depends on the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29