The average credit card interest rate is 19.57%, down from a record-high 20.79% set on Aug. 14, 2024. Current credit card interest rates Weekly national averages Variable 04/22/2026 19.57%  04/15/2026 19.57% 04/08/2026 19.58% 04/01/2026 19.58% 03/25/2026 19.58% 03/18/2026 19.58% 03/11/2026 19.58% 03/04/2026 19.58% 02/25/2026 19.59% 02/18/2026 19.60% 02/11/2026 19.60% 02/04/2026 19.61% 01/28/2026 19.61% 01/21/2026 19.62% 01/14/2026 19.64% 01/07/2026 19.65% 12/31/2025 19.72% 12/24/2025 19.73% 12/17/2025 19.75% 12/10/2025 19.80% Bankrate Data Center Since 1976, Bankrate has been the go-to source for personal finance data, publishing average rates on the most popular financial products and tracking the experience of consumers nationwide. See more Historical interest rates How are credit card rates set? The typical credit card rate formula is the Prime Rate plus a profit margin set by the card issuer. On average, this margin often runs between 12% and 13%. The Prime Rate is currently 6.75%.…