Credit-card banks: credit card APR & fees
7 issuers · CFPB TCCP survey, Jul-Dec 2025
This hub covers banks that specialize in credit cards, including several credit-building and co-brand issuers. Across the 7 credit-card banks in the CFPB Terms of Credit Card Plans survey, surveyed purchase APRs run from about 9.24% to 35.99%, median 26.94%. Surveyed terms, not offers.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
All credit-card banks by surveyed APR
| Issuer | Surveyed purchase APR | Median APR | Annual fee | Products |
|---|---|---|---|---|
| Stride Bank | 9.24% – 35.74% | 20.49% | — | 3 |
| Barclays Bank Delaware | 17.49% – 34.99% | 25.24% | $59 – $1,199 | 35 |
| Goldman Sachs Bank USA | 17.49% – 28.49% | 23.24% | — | 1 |
| American Express National Bank | 18.24% – 29.24% | 27.12% | $95 – $5,000 | 20 |
| Merrick Bank | 21.95% – 34.7% | 29.49% | $36 – $48 | 8 |
| Credit One Bank | 28.74% – 30.49% | 29.99% | $39 – $95 | 11 |
| Webbank | 29.99% – 35.99% | 32.99% | $39 | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
American Express National Bank · Barclays Bank Delaware · Credit One Bank · Goldman Sachs Bank USA · Merrick Bank · Stride Bank · Webbank
Frequently asked questions
What APR do credit-card banks charge?
Across the 7 credit-card banks in the CFPB survey, surveyed purchase APRs run from about 9.24% to 35.99%, with a median of roughly 26.94%. These are surveyed terms, not offers.
How do these compare to credit unions?
The CFPB found credit unions and small banks charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) less than large issuers for the same credit tier. Compare a credit union before applying.
Other issuer types
Sources & accuracy
CFPB Terms of Credit Card Plans (TCCP) Survey, U.S. public domain, CFPB TCCP survey, Jul-Dec 2025. Surveyed terms are not offers. See our methodology.
Last updated: 2026-06-29