Current Credit Card Interest Rates:
- Average Rate – New Offers: 22.08%
- Average Rate – Existing Balances: 22.30%
Currently, credit card interest rates range from 5.75% to 36% for new applicants. The average interest rate among credit card offers is 22.08%, as of March 2026, the same as the prior month.
The interest rates on existing credit card accounts are a bit lower. For example, people with credit card debt currently pay interest at a 22.30% average annual rate. Below, you can learn more about current credit card interest rates, including how they vary by credit level.
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Current Interest Rates for New Credit Card Offers
| Category | March 23 Average | Change vs. Previous Week | Change vs. Previous Month | Change vs. Previous Year |
|---|---|---|---|---|
| Average Interest Rate for All New Offers | 22.08% | 0.00% | 0.05% | -2.30% |
| Excellent Credit | 17.1% | 0.06% | 0.00% | -3.17% |
| Good Credit | 23.23% | 0.00% | -0.09% | -2.52% |
| Fair Credit | 26.5% | 0.00% | -0.04% | -1.12% |
| Secured Cards | 21.76% | 0.00% | 0.05% | -2.42% |
| Student Cards | 19.04% | 0.00% | 0.00% | -2.26% |
| Business Cards | 20.94% | 0.00% | 0.34% | -2.74% |
| Store Cards | 33.09% | 0.00% | 0.12% | 0.36% |
Credit Card Interest Rates Over Time
(Source: WalletHub)
Current Interest Rates for Existing Accounts
| Category | Latest (November 2025) | Change vs. Previous Quarter | Change vs. Previous Year |
|---|---|---|---|
| Average for All Accounts | 20.97% | -1.96% | -2.33% |
| Average for Accounts with Finance Charges | 22.30% | -2.32% | -2.19% |
Rates for Existing Accounts Over Time
See data for previous years’ credit card interest rates. (Sources: Federal Reserve, U.S. Bureau of Labor Statistics, WalletHub.com)
Credit Cards With the Best Rates Right Now
- 0% Intro APR for 24 Months (Overall): U.S. Bank Shield™ Visa® CardLearn MoreLearn More
- 0% Intro APR for 24 Months (Overall): U.S. Bank Shield™ Visa® CardLearn MoreLearn Moreon issuer's website
- 0% Intro APR for 24 Months (Overall): U.S. Bank Shield™ Visa® CardLearn MoreLearn More
- Rates & Fees 0% Intro APR for 21 Months From Account Opening (Good Credit): Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees 0% Intro APR for 21 Months From Account Opening (Good Credit): Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- 0% Intro APR for 21 Months From Account Opening (Good Credit): Wells Fargo Reflect® CardLearn MoreLearn More
- Rates & Fees Cash Back: Citi Double Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Cash Back: Citi Double Cash® CardLearn MoreLearn Moreon issuer's website
- Cash Back: Citi Double Cash® CardLearn MoreLearn More
- 0% Intro APR for 21 Billing Cycles (Excellent Credit): BankAmericard® credit cardLearn MoreLearn More
- 0% Intro APR for 21 Billing Cycles (Excellent Credit): BankAmericard® credit cardLearn MoreLearn Moreon issuer's website
- 0% Intro APR for 21 Billing Cycles (Excellent Credit): BankAmericard® credit cardLearn MoreLearn More
- Rates & Fees Long Intro APR & Rewards: Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & Fees Long Intro APR & Rewards: Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Long Intro APR & Rewards: Chase Freedom Unlimited®Learn MoreLearn More
- 0% Intro APR for 24 Months (Overall):
- 0% Intro APR for 21 Months From Account Opening (Good Credit):
- Cash Back:
- 0% Intro APR for 21 Billing Cycles (Excellent Credit):
- Long Intro APR & Rewards:
Please note that the standard APR will apply once the introductory APR period ends.
For more information, check out WalletHub’s complete review of the best credit card rates.
