Credit card APR for poor credit (619 or less)
Credit score 619 or below · limited or rebuilding credit · CFPB TCCP survey, Jul-Dec 2025
With poor credit (619 or less) (a score of 619 or below), the CFPB survey median purchase APR was 28.49% at large issuers and 20.62% at small banks and credit unions. The card quotes an APR range and places you within it based on your score and the issuer's underwriting. These are surveyed medians, not an offer.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Median purchase APR for poor credit (619 or less)
| Issuer size | Median purchase APR |
|---|---|
| Large issuers (top 25) | 28.49% |
| Small banks & credit unions | 20.62% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Issuers reporting the lowest APR for this tier
Issuers that reported a poor credit (619 or less)-specific median purchase APR, lowest first (of 104 that reported one):
| Issuer | Median APR (poor) | Full surveyed range |
|---|---|---|
| Bank Of America | 9.99% | 13.49% – 28.24% |
| First National Bank Of Omaha | 9.99% | 15.49% – 32.99% |
| Security Service Federal Credit Union | 10.99% | 10.99% – 18% |
| Priority First Federal Credit Union | 12.9% | 8.9% – 15.4% |
| North Country Federal Credit Union | 13.95% | 6.45% – 16.95% |
| Matanuska Valley Federal Credit Union | 14% | 11% – 16% |
| Champion Credit Union | 14.5% | 10% – 15% |
| Tlcu Financial | 14.5% | 10% – 21% |
| Mid Carolina Credit Union | 14.95% | 7.45% – 18% |
| Summit Credit Union | 14.95% | 8.95% – 17.95% |
| N A E Federal Credit Union | 14.99% | 8.99% – 16.99% |
| Bluestone Federal Credit Union | 15.25% | 10.25% – 15.25% |
Bank Of America · First National Bank Of Omaha · Security Service Federal Credit Union · Priority First Federal Credit Union · North Country Federal Credit Union · Matanuska Valley Federal Credit Union · Champion Credit Union · Tlcu Financial · Mid Carolina Credit Union · Summit Credit Union · N A E Federal Credit Union · Bluestone Federal Credit Union
Frequently asked questions
What credit card APR can I get with poor credit?
For poor credit (619 or less), the CFPB survey median purchase APR was 28.49% at large issuers and 20.62% at small banks and credit unions. The card quotes a range and places you within it based on your score; these are surveyed medians, not an offer.
Which issuers report the lowest APR for poor credit (619 or less)?
Among issuers that reported a tier-specific rate, the lowest for poor credit (619 or less) include Bank Of America (9.99%), First National Bank Of Omaha (9.99%), Security Service Federal Credit Union (10.99%), Priority First Federal Credit Union (12.9%). Credit unions dominate the low end because federal credit unions are capped at an 18% APR.
How much can I save by improving my credit?
Moving from poor (28.49%) to great credit (22.99%) at a large issuer cut the median purchase APR by about 5.5 points. On a $5,000 balance that is roughly $275/yr in interest.
Other tiers
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. See our methodology and disclaimer.
Last updated: 2026-06-29