Credit & debt · TERMCBCCALLNS

Credit card interest rate

As of Q3 2026, the credit card interest rate stood at 21.19%, a change of +0.25 pt from the quarter before.

Source: Board of Governors of the Federal Reserve System via FRED®. Quarterly data, not seasonally adjusted. Latest observation Q3 2026; snapshot taken Oct 26, 2026, 6:40 PM EDT.

Latest (Q3 2026)

21.19%

Change from Q2 2026

+0.25 pt

A year earlier

21.39%

12-month change

-0.9%

21.19% Q3 2026 · Percent

14%16%18%20%22%20222023202420252026

Percent. Data from Q4 1994 to Q3 2026 (128 observations).

What it measures

This is the average interest rate banks charge on credit card plans, from the Fed's G.19 consumer credit release. It covers all accounts, including those that pay in full and are not charged interest.

Official title
Commercial Bank Interest Rate on Credit Card Plans, All Accounts
Units
Percent
Frequency and adjustment
Quarterly, not seasonally adjusted
Original source
Board of Governors of the Federal Reserve System
Recent values
DateValueChange
Q3 202621.19%+0.25 pt
Q2 202620.94%-0.06 pt
Q1 202621.00%+0.03 pt
Q4 202520.97%-0.42 pt
Q3 202521.39%+0.23 pt
Q2 202521.16%-0.21 pt
Q1 202521.37%-0.10 pt
Q4 202421.47%-0.29 pt
Q3 202421.76%+0.25 pt
Q2 202421.51%-0.08 pt
Q1 202421.59%+0.12 pt
Q4 202321.47%+0.28 pt

Related indicators

Prime rate

7.00%

Percent · Oct 26, 2026

Revolving credit (credit cards)

3.4%

12-month change · Aug 2026

Credit card delinquency rate

2.85%

Percent · Q2 2026

This page shows public economic data for general information. It is not financial advice and does not predict future values.

Sources

FRED® is a registered trademark of the Federal Reserve Bank of St. Louis. Neither the Federal Reserve Bank of St. Louis nor Board of Governors of the Federal Reserve System endorses OpenEcon.