Top-25 issuers: credit card APR & fees
15 issuers · CFPB TCCP survey, Jul-Dec 2025
This hub covers the 25 largest U.S. card issuers, which the CFPB found charge the highest APRs for a given credit tier. Across the 15 top-25 issuers in the CFPB Terms of Credit Card Plans survey, surveyed purchase APRs run from about 8.99% to 34.24%, median 25.93%. Surveyed terms, not offers.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
All top-25 issuers by surveyed APR
| Issuer | Surveyed purchase APR | Median APR | Annual fee | Products |
|---|---|---|---|---|
| Fifth Third Bank | 8.99% – 29.49% | 25.99% | $24 | 5 |
| USAA Federal Savings Bank | 10.65% – 27.65% | 24.65% | $95 | 8 |
| Bank Of America | 13.49% – 28.24% | 22.24% | $59 – $550 | 23 |
| Truist Bank | 13.74% – 27.74% | 21.74% | $95 – $450 | 6 |
| Capital One | 14.9% – 31.24% | 27.24% | $39 – $395 | 53 |
| First National Bank Of Omaha | 15.49% – 32.99% | 26.37% | $30 – $249 | 54 |
| Citizens Bank | 15.74% – 29.24% | 23.49% | $295 | 5 |
| Wells Fargo Bank | 15.99% – 28.49% | 28.49% | $95 – $99 | 11 |
| Citibank | 16.49% – 34.24% | 32.49% | $95 – $595 | 42 |
| U.S. Bancorp | 16.49% – 30.49% | 24.49% | — | 5 |
| JPMorgan Chase Bank | 16.74% – 28.24% | 27.49% | $49 – $795 | 31 |
| TD Bank | 17.24% – 28.99% | 23.99% | $29 – $89 | 7 |
| PNC Bank | 18.49% – 30.24% | 26.12% | — | 4 |
| Regions Bank | 18.49% – 28.49% | 25.49% | — | 1 |
| TD Bank USA | 28.45% – 28.95% | 28.7% | — | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Bank Of America · Capital One · Citibank · Citizens Bank · Fifth Third Bank · First National Bank Of Omaha · JPMorgan Chase Bank · PNC Bank · Regions Bank · TD Bank · TD Bank USA · Truist Bank · U.S. Bancorp · USAA Federal Savings Bank · Wells Fargo Bank
Frequently asked questions
What APR do top-25 issuers charge?
Across the 15 top-25 issuers in the CFPB survey, surveyed purchase APRs run from about 8.99% to 34.24%, with a median of roughly 25.93%. 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