Home RatesCard APRs

No weekly change

Credit Card APR Trends

Track credit card APR pressure and see when balance transfer or debt payoff actions may save money.

Typical purchase APR

24.99% APR

Benchmark average

22.50% APR

User opportunity

25 bps can matter on large balances

Historical archive

Card APRs over time

No weekly change

Jun 23

20.24%

Jun 24

20.24%

Jun 25

20.24%

What changed

Rates are holding steady, which makes comparison discipline more important than timing.

Why it matters

Is my card balance too expensive to carry?

What to do next

Calculate payoff cost, then compare 0% intro APR options.

How we track this rateShow

SourceSwitchWize Rate Scout (Bankrate), updated daily

MethodTypical purchase APR sourced from SwitchWize Rate Scout daily scrape of Bankrate card listings. Variable APRs track the prime rate; shown value reflects current market average. Individual card APR depends on creditworthiness.

Verified existing coverage

Use what SwitchWize already has

6 links

GuideBalance Transfer Guide: Save Thousands on Credit Card DebtA complete balance transfer guide covering 0% APR offers, transfer fees, payoff strategies, and how to decide if a balance transfer or personal loan fits your debt situation.GuideHome Improvement Loans in: How to Finance a RenovationA practical 2026 guide to home improvement loans: home equity loans, HELOCs, cash-out refinances, personal loans, 0% cards, and 203(k) renovation loans, with a clear way to choose.GuideBest Debit CardsWe ranked the best debit cards of 2026 by the job they do best: cash back, high-yield savings, fee-free overdraft, ATM reach, and teen accounts.GuideThe 0% Balance Transfer Has a Number on the Back. Read It Before You Sign.The transfer fee is prepaid interest, and whether a 0% balance transfer saves you money is a breakeven you can do in your head. It flips on your payoff date, not the rate.CalculatorBalance Transfer Savings CalculatorSee how much you save moving credit card debt to a 0% APR card.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

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Benchmark

Prime Rate

No weekly change

6.63%

Prime rate

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Product rate

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No weekly change

8.20% APR

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Personal Loans

No weekly change

7.49% APR

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Follow personal loan APRs and compare them against high-rate card debt or large planned expenses.

Product rate

Savings Rates

No weekly change

4.40% APY

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