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

Aug 7

20.24%

Aug 8

19.49%

Aug 9

19.49%

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.GuideWhen Your AI Agent Pays: Agentic Commerce and Your Money inPayment networks are building rails for AI agents that shop and pay on your behalf. It is convenient and genuinely new. It also hands a piece of your spending authority to software. Here is how agentic payments work and how to stay in control.GuideCredit Got Easier to Get in: What the Data Shows and Who Still Gets DeniedAfter a tight 2025, credit access loosened in 2026. The New York Fed's rejection rate fell to about 16% from 23% a year earlier, and applications hit a post-2021 high. But approval is not guaranteed. Here is what changed and what still gets you turned down.GuideThe Credit Card Rewards Operating System: A Complete FrameworkMost rewards advice is a pile of tips. This is a system: how to structure a card setup, route each purchase to the right card, value points honestly, and redeem them for the most, without turning your wallet into a second job.CalculatorBalance Transfer Savings CalculatorCompare estimated balances after an entered promotional period, including the transfer fee and fixed payments.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

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