THE NO JOB LIFESTYLEMedian Purchase APR By Issuer
| Issuer | Card plans | Median purchase APR | Lowest APR offered | Highest APR offered |
|---|---|---|---|---|
| Comenity Bank | 10 | 33.05% | 22.24% | 35.99% |
| Citibank, N.A. | 42 | 32.49% | 16.49% | 34.24% |
| Credit One Bank, N.A. | 11 | 29.99% | 28.74% | 30.49% |
| Synchrony Financial | 24 | 29.78% | 17.74% | 34.99% |
| Merrick Bank | 8 | 29.49% | 21.95% | 34.70% |
| TD Bank USA, N.A. | 1 | 28.70% | 28.45% | 28.95% |
| Wells Fargo Bank, N.A. | 11 | 28.49% | 15.99% | 28.49% |
| Comenity Capital Bank | 24 | 28.38% | 19.99% | 34.99% |
| JPMorgan Chase Bank, N.A. | 31 | 27.49% | 16.74% | 28.24% |
| Capital One, N.A. | 53 | 27.24% | 14.90% | 31.24% |
| American Express National Bank | 20 | 27.11% | 18.24% | 29.24% |
| First National Bank of Omaha | 54 | 26.36% | 15.49% | 32.99% |
| PNC Bank, N.A. | 4 | 26.11% | 18.49% | 30.24% |
| Fifth Third Bank, N.A. | 5 | 25.99% | 8.99% | 29.49% |
| Regions Bank | 1 | 25.49% | 18.49% | 28.49% |
| Barclays Bank Delaware | 35 | 25.24% | 17.49% | 34.99% |
| USAA Federal Savings Bank | 8 | 24.65% | 10.65% | 27.65% |
| U.S. Bancorp | 5 | 24.49% | 16.49% | 30.49% |
| TD Bank, N.A. | 5 | 23.99% | 17.24% | 28.99% |
| Citizens Bank, N.A. | 5 | 23.49% | 15.74% | 29.24% |
| Goldman Sachs Bank USA | 1 | 23.24% | 17.49% | 28.49% |
| Bank of America, N.A. | 23 | 22.24% | 13.49% | 28.24% |
| Truist Bank | 6 | 21.74% | 13.74% | 27.74% |
| Boeing Employees' Credit Union | 4 | 21.11% | 12.74% | 26.24% |
| Stride Bank, N.A. | 1 | 20.49% | 9.24% | 35.74% |
| America First Federal Credit Union | 1 | 18.00% | 14.99% | 18.00% |
| Pentagon Federal Credit Union | 6 | 17.99% | 17.99% | 17.99% |
| Navy Federal Credit Union | 7 | 16.45% | 10.49% | 18.00% |
How We Calculated This
The CFPB surveys the 25 largest credit card issuers plus a sample of smaller banks and credit unions twice a year. For each card plan we take the median purchase APR the issuer reported (or the middle of its credit tier rates when it reported tiers only), then take the median across that issuer's plans. Plans with no purchase APR or unusable values are left out. Lowest and highest show the full range the issuer reported across its plans.
What This Means For You
At around 26% APR, a $5,000 balance costs roughly $107 in interest in the first month. Our debt payoff calculator shows how fast snowball or avalanche clears it, and a lower card balance also helps your score through credit utilization. Credit unions often charge less, as the smaller institution median shows.
Use This Data
Feel free to quote this table with a link to this page.
Questions People Ask
What is the average credit card APR right now?
Across the 622 card plans in the latest CFPB survey (June 30, 2025 to December 31, 2025), the median purchase APR was 24.49%. At the 25 largest issuers it was 25.74%.
Which credit card issuer has the highest APR?
In this survey Comenity Bank had the highest median purchase APR among large issuers, at 33.05%.
Which issuers have the lowest APRs?
Among the largest issuers, Navy Federal Credit Union (16.45%) and Pentagon Federal Credit Union (17.99%) had the lowest medians. Smaller banks and credit unions had a median of 13.99%.
Why is my APR different from this table?
Issuers set your rate from your credit, the card and the market rate. The table shows the median of the rates each issuer reported, not a quote for you.