Average Credit Card Interest Rates: Trends, Management, and Lowering Strategies

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Knueven","sameAs":"https://www.businessinsider.com/author/liz-knueven"},{"@type":"Person","name":"Joseph Hostetler","sameAs":"https://www.businessinsider.com/author/joseph-hostetler"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Average Credit Card Interest Rates: Trends, Management, and Lowering Strategies","alternativeHeadline":"Understanding Average Credit Card Interest Rates","image":{"@type":"ImageObject","url":"https://i.insider.com/5f05ddc03f7370445e429933?width=1200&format=jpeg","width":1200,"height":900},"name":"Understanding Average Credit Card Interest Rates","datePublished":"2024-07-18T17:24:43Z","dateModified":"2024-10-25T17:40:26Z","description":"Discover the trends in average credit card interest rates, how these rates are determined, and effective strategies to manage or lower your APR.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate products and services to help you make smart decisions with your money.The information for the following product(s) has been collected independently by Business Insider: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Citi® Double Cash Card, Citi Simplicity® Card, U.S. Bank Visa® Platinum Card. The details for these products have not been reviewed or provided by the issuer.The average credit card APR was a whopping 20.92% in the first quarter of 2023, according to data from the Federal Reserve. But, your own credit card interest rate is likely to be different.Credit cards come with a cost of borrowing: An annual percentage rate, or APR. This is the amount you'll pay for credit. With a credit card, you'll only pay interest on an unpaid balance after your billing cycle is over. Pay off your card in full each month, and you won't pay any interest. However, if you don't pay off your balance in full each month, it can get expensive. It's not unusual for a card to carry an APR in the 20% range, which means a balance can continue to grow and snowball for each month it stays on your card.Outside of paying off your card, there are a few factors that can influence the rate attached to your card, including your credit score and the type of card you have. Here's how these factors influence your interest rate.Like getting a loan, the interest rate attached to your credit card largely depends on your credit score. Credit scores are calculated based on your past credit activity on a scale of 300 to 850 based on past borrowing, repayment history, available credit, and your mix of credit accounts.Lenders use them to evaluate how trustworthy you are as a borrower, and whether they should lend to you, so generally the higher your credit score, the lower your credit card's interest rate. Those with higher credit scores will also be more likely to qualify for zero-interest credit cards with 0% introductory APRs.According to data from the 2021 CFPB's Consumer Credit Card Market Report, the average total interest paid by consumers increases with lower credit scores.The CFPB measures this with an effective interest rate — calculated as the total amount of interest charged per year divided by the total balance at the end of the cycle — to create a metric of how much interest was actually paid by consumers at each credit level. Data from 2020 showed that consumers with the best credit paid the lowest effective interest rates, and vice versa.Credit score categoryDeep Subprime (579 or lower)Subprime (580 - 619)Near Prime (620 - 659)Prime (660 - 719)Super Prime (720 or greater)Overall Premium credit cards tend to carry a higher APR.The type of card you have can affect the amount of interest you could pay if you carry a balance. Data from S&P Global shows that for three main types of credit cards, a higher interest rate comes with bigger perks.Credit card typeClassic credit cardPlatinum credit cardRewards credit cardSome of the name-brand rewards cards you may be familiar with may also have higher interest rates. Here are a few favorites, and the interest rates they carry. Remember that credit card companies can change interest rates, and that only people with excellent credit scores will qualify for the lowest interest rates. Travel credit cards can have higher interest rates than the typical card because they offer valuable rewards if used correctly. These credit cards are good options for anyone who wants to earn perks like miles to book award flights, but doesn't plan to keep a balance on their card.Credit cardChase Sapphire Preferred® CardDelta SkyMiles® Gold American Express CardUnited℠ Explorer CardCiti® / AAdvantage® Platinum Select® World Elite Mastercard® \n Capital One Venture Rewards Credit CardSouthwest Rapid Rewards® Plus Credit CardCash-back cards offer the most flexible reward of all: cash. Generally, these cards earn a percentage back of total purchases, up to around 2% cash back. The money can then be applied back to your balance, or even cashed out and put toward other goals.The interest rates for cash-back credit cards tend to start a little bit lower than rewards credit cards. Here are the interest rates on some of the best cash-back credit cards on the market today. Credit cardCiti® Double Cash Card \n Wells Fargo Active Cash® CardChase Freedom Unlimited®Blue Cash Preferred® Card from American ExpressCapital One Savor Cash Rewards Credit CardCreated specifically for college students, these cards are best for young adults who haven't built much credit yet and can be secured with a cash deposit upfront.Slightly more forgiving, these student credit cards can be a great way to build credit while still in school, but can have high interest rates. While some borrowers with the best credit scores will see rates around 18%, interest rates could be as high as 29%.Capital One Quicksilver Student Cash Rewards Credit CardDiscover it® Student Cash Back17.74% - 26.74% VariableCapital One Savor Student Cash Rewards Credit CardThe best balance transfer credit cards allow you to consolidate credit card debt onto one card while paying a 0% APR for a promotional period, sometimes for more than a year. These offers can save you a lot of money on interest, but weigh the pros and cons to be sure a balance transfer is worth it for you.Cards with an intro 0% APR can also be used to finance large purchases for a short amount of time. Some cards offer an introductory 0% APR on both balance transfers and purchases.But, these cards won't be interest-free forever: Rates go up after the introductory period is over. During the introductory period, interest won't accrue on your balance. If you pay off your card in full by the time the offer is up, it can be a good alternative to a personal loan. After that intro period is over, you'll pay a fairly typical interest rate. (You can find the details for your specific card in the issuer's terms and conditions.)Here are a few examples of how this works with a few popular cards that offer a 0% intro rate. Credit cardWells Fargo Reflect® CardBlue Cash Everyday® Card from American ExpressCiti Simplicity® Card \n 19.24% - 29.24% Variable18.74% - 29.74% VariableIf you pay your credit card in full each month, credit cards can be valuable tools to earn airline miles or hotel points, get cash back, and build your credit history, with no interest involved.If you don't pay your credit card bill in full each month, the interest rate will apply, and add to the total amount you owe. It can get out of hand quickly, and the debt your card accumulates negates any of the rewards you could earn. Paying your credit card in full means you'll never have to worry about paying more for your purchases than you need to, and can help you earn rewards to enjoy as well. While credit card interest rates can seem high, they're non-existent if you pay your account in full each month and use your card responsibly.Getting a lower interest rate on your credit card can in many cases be as easy as calling the issuer and asking for a reduction. Credit card interest rates are negotiable. Chances are good that you'll be able to get a lower rate by simply asking for it if you've been consistently making payments on time and have a good credit score.If you can't get a reduction in your rate, there are still ways to reduce the amount of interest you pay. Paying off your full balance each month is the surest way, if you have the wherewithal to do so. Making several payments each month is another strategy to reduce interest costs. If you plan to pay off a certain amount of your credit card debt at the end of the month, but you won't be able to pay off all of it, splitting that amount into several payments throughout the month reduces your average daily balance and the amount of interest you're charged.You can also consider a balance transfer — moving debt from a high-interest account to one with a lower rate. Some balance transfer credit cards are even interest-free for the first 12 to 21 months, which means all your payments will go toward reducing the principal. While the average can vary, rates typically range between 15% to 23%, depending on the card type and consumer creditworthiness.Your APR is listed in your credit card agreement and on your monthly statement. You can also contact your credit card issuer directly for this information.Yes, it's possible to negotiate a lower rate, especially if you have a history of timely payments or if your credit score has improved since you received your card.No, interest rates can vary widely based on the card issuer, the type of credit card, and the cardholder's credit score.Pay off your balance in full each month, take advantage of cards with introductory 0% APR offers, or transfer balances to a card with a lower interest rate.","articleSection":"Personal Finance, Credit Cards, Credit Score","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the average credit card interest rate currently?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">While the average can vary, rates typically range between 15% to 23%, depending on the card type and consumer creditworthiness.</p>"}},{"@type":"Question","name":"How can I find my credit card's interest rate?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Your APR is listed in your credit card agreement and on your monthly statement. You can also contact your credit card issuer directly for this information.</p>"}},{"@type":"Question","name":"Can I negotiate a lower interest rate on my credit card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, it's possible to negotiate a lower rate, especially if you have a history of timely payments or if your credit score has improved since you received your card.</p>"}},{"@type":"Question","name":"Do all credit cards have the same interest rate?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">No, interest rates can vary widely based on the card issuer, the type of credit card, and the cardholder's credit score.</p>"}},{"@type":"Question","name":"How can I avoid paying high interest on my credit card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Pay off your balance in full each month, take advantage of cards with introductory 0% APR offers, or transfer balances to a card with a lower interest rate.</p>"}}]} 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data-track-click="{"product_field":"Credit Cards","element_name":"breadcrumbs","event":"navigation"}" > Credit Cards </a> </span> </div> <h1 class="post-headline ">Understanding Average Credit Card Interest Rates</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Liz Knueven" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/liz-knueven" >Liz Knueven</a></span> and <span class="" data-e2e-name="Joseph Hostetler" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/joseph-hostetler" >Joseph Hostetler</a></span> </div> <time 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headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Interest rates by type of credit card </a> </li> <li> <a href="#interest-rates-for-introductory-apr-cards" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Interest Rates for Introductory APR cards </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate products and services</a> to help you make smart decisions with your money.</p><p class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Citi® Double Cash Card, Citi Simplicity® Card, U.S. Bank Visa® Platinum Card. The details for these products have not been reviewed or provided by the issuer.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><h2 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]" data-toc-label="Introduction to Credit Card Interest Rates" id="introduction-to-credit-card-interest-rates" class="toc-anchor">Introduction to Credit Card Interest Rates</h2><p>The average credit card APR was a whopping 20.92% in the first quarter of 2023, according to data from the <a href="https://www.federalreserve.gov/releases/g19/current/default.htm" target="_blank" rel="noopener" data-analytics-product-module="body_link">Federal Reserve</a>. But, your own credit card interest rate is likely to be different.</p><h3 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]">Understanding APR (Annual Percentage Rate)</h3><p>Credit cards come with a cost of borrowing: An annual percentage rate, or <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-is-apr" data-analytics-product-module="body_link" rel="">APR</a>. This is the amount you'll pay for credit. With a credit card, you'll only pay interest on an unpaid balance after your billing cycle is over. Pay off your card in full each month, and you won't pay any interest. </p><p>However, if you don't pay off your balance in full each month, it can get expensive. It's not unusual for a card to carry an APR in the 20% range, which means a balance can continue to grow and snowball for each month it stays on your card.</p><h2 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]" data-toc-label="Current Trends in Credit Card Interest Rates" id="current-trends-in-credit-card-interest-rates" class="toc-anchor">Current Trends in Credit Card Interest Rates</h2><p>Outside of paying off your card, there are a few factors that can influence the rate attached to your card, including your credit score and the type of card you have. Here's how these factors influence your interest rate.</p><h3>Interest Rates by Credit Score</h3><p>Like getting a loan, the interest rate attached to your credit card largely depends on your credit score. <a href="https://www.businessinsider.com/personal-finance/credit-score/how-is-credit-score-calculated" data-analytics-product-module="body_link" rel="">Credit scores are calculated</a> based on your past credit activity on a scale of 300 to 850 based on past borrowing, repayment history, available credit, and your mix of credit accounts.</p><p>Lenders use them to evaluate how trustworthy you are as a borrower, and whether they should lend to you, so generally the higher your credit score, the lower your credit card's interest rate. Those with higher credit scores will also be more likely to qualify for <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" data-analytics-product-module="body_link" rel="">zero-interest credit cards</a> with 0% introductory APRs.</p><h3>Higher Credit Scores Get Lower Interest Rates</h3><p>According to data from the 2021 <a href="https://files.consumerfinance.gov/f/documents/cfpb_consumer-credit-card-market-report_2021.pdf" target="_blank" rel="noopener nofollow sponsored" data-analytics-product-module="body_link">CFPB's Consumer Credit Card Market Report</a>, the average total interest paid by consumers increases with lower credit scores.</p><p>The CFPB measures this with an effective interest rate — calculated as the total amount of interest charged per year divided by the total balance at the end of the cycle — to create a metric of how much interest was actually paid by consumers at each credit level. Data from 2020 showed that consumers with the best credit paid the lowest effective interest rates, and vice versa.</p><div class="horizontal-scroll"><table style="height: 140px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10px" class="table-content"><tbody class="table-content-body"><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Credit score category</strong></p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Effective interest rate </strong></td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular">Deep Subprime (579 or lower)</p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">21.1%</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular">Subprime (580 - 619)</p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">20.2%</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular">Near Prime (620 - 659)</p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">19.1%</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular">Prime (660 - 719)</p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">16.9%</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular">Super Prime (720 or greater)</p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">12.7%</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular">Overall </p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">15.7%</td></tr></tbody></table></div><h2 data-toc-label="Interest rates by type of credit card" id="interest-rates-by-type-of-credit-card" class="toc-anchor">Interest Rates by Type of Credit Card</h2><p>Premium credit cards tend to carry a higher APR.</p><p>The type of card you have can affect the amount of interest you could pay if you carry a balance. Data from <a href="https://platform.marketintelligence.spglobal.com/web/client?auth=inherit&overridecdc=1�/researchLibrary" target="_blank" rel="noopener nofollow sponsored" data-analytics-product-module="body_link">S&P Global</a> shows that for three main types of credit cards, a higher interest rate comes with bigger perks.</p><div class="horizontal-scroll"><table style="height: 100px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10px" class="table-content"><tbody class="table-content-body"><tr style="height: 20px;"><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Credit card type</strong></p></td><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Rate (APR)</strong></td></tr><tr style="height: 20px;"><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular">Classic credit card</p></td><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular">11.94%</td></tr><tr style="height: 20px;"><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular">Platinum credit card</p></td><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular">12.76%</td></tr><tr style="height: 20px;"><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular">Rewards credit card</p></td><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular">13.23%</td></tr></tbody></table></div><p>Some of the name-brand rewards cards you may be familiar with may also have higher interest rates. Here are a few favorites, and the interest rates they carry. Remember that credit card companies can change interest rates, and that only people with <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-an-excellent-credit-score" data-analytics-product-module="body_link" rel="">excellent credit scores</a> will qualify for the lowest interest rates. </p><h3>Interest Rates for Travel Credit Cards</h3><p><a href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-analytics-product-module="body_link" rel="">Travel credit cards</a> can have higher interest rates than the typical card because they offer valuable rewards if used correctly. These credit cards are good options for anyone who wants to earn perks like <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-book-free-travel-cheap-deals-credit-card-rewards" data-analytics-product-module="body_link" rel="">miles to book award flights</a>, but doesn't plan to keep a balance on their card.</p><div class="horizontal-scroll"><table style="height: 161px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10 px" class="table-content"><tbody class="table-content-body"><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Credit card</strong></p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Rate (APR) range</strong></td></tr><tr style="height: 51px;"><td style="width: 50%; text-align: center; height: 51px;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-card-review" data-analytics-product-module="body_link" rel="">Chase Sapphire Preferred® Card</a></p></td><td style="width: 50%; text-align: center; height: 51px;" class="headline-regular">20.99% - 27.99% Variable</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/gold-delta-skymiles-amex-card-review" data-analytics-product-module="body_link" rel="">Delta SkyMiles® Gold American Express Card</a></p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">20.24% - 29.24% Variable</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/united-explorer-card-review" data-analytics-product-module="body_link" rel="">United℠ Explorer Card</a></p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">21.49% - 28.49% Variable</td></tr><tr style="height: 10px;"><td style="width: 50%; height: 10px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/citi-aadvantage-platinum-select-card-review" data-analytics-product-module="body_link" rel="">Citi® / AAdvantage® Platinum Select® World Elite Mastercard®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a></p></td><td style="width: 50%; height: 10px; text-align: center;" class="headline-regular">21.24% - 29.99% variable</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-venture-card-review" data-analytics-product-module="body_link" rel="">Capital One Venture Rewards Credit Card</a></p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">19.99% - 29.74% variable (<a href="https://affiliate.insider.com/?h=108f225b25eff366db8450fe8ad6aca547b56125d34632a2c971ec95a40cf0a2&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728882" data-analytics-product-module="tables" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=108f225b25eff366db8450fe8ad6aca547b56125d34632a2c971ec95a40cf0a2&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728882">rates and fees</a>)</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/southwest-rapid-rewards-plus-credit-card-review" data-analytics-product-module="body_link" rel="">Southwest Rapid Rewards® Plus Credit Card</a></p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">20.99% - 27.99% Variable</td></tr></tbody></table></div><h3>Interest Rates for Cash-Back Cards</h3><p>Cash-back cards offer the most flexible reward of all: cash. Generally, these cards earn a percentage back of total purchases, up to around <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-2-cash-back-credit-cards" data-analytics-product-module="body_link" rel="">2% cash back</a>. The money can then be applied back to your balance, or even cashed out and put toward other goals.</p><p>The interest rates for cash-back credit cards tend to start a little bit lower than rewards credit cards. Here are the interest rates on some of the <a href="https://www.businessinsider.com/personal-finance/best-cash-back-credit-cards" rel="noopener" data-analytics-product-module="body_link">best cash-back credit cards</a> on the market today. </p><div class="horizontal-scroll"><table style="height: 120px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10px" class="table-content"><tbody class="table-content-body"><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Credit card</strong></p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Rate (APR) range</strong></td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/citi-double-cash-card-review" data-analytics-product-module="body_link" rel="">Citi® Double Cash Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Citi® Double Cash Card has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a></p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">19.24% - 29.24% Variable</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/wells-fargo-active-cash-card-review" data-analytics-product-module="body_link" rel="">Wells Fargo Active Cash® Card</a></p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">19.49%, 24.49%, or 29.49% variable</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-unlimited-review" data-analytics-product-module="body_link" rel="">Chase Freedom Unlimited®</a></p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">19.99% - 28.74% Variable</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/american-express-blue-cash-preferred-review" data-analytics-product-module="body_link" rel="">Blue Cash Preferred® Card from American Express</a></p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">18.49% - 29.49% Variable</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-savor-card-review" data-analytics-product-module="body_link" rel="">Capital One Savor Cash Rewards Credit Card</a></p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">19.74% - 29.74% Variable (<a href="https://affiliate.insider.com/?h=f27f00dcb547a7418a3fd57899b3bb9ae02d9b84c002955a24e80c6733c8995d&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728890" data-analytics-product-module="tables" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=f27f00dcb547a7418a3fd57899b3bb9ae02d9b84c002955a24e80c6733c8995d&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728890">rates and fees</a>)</td></tr></tbody></table></div><h3>Interest Rates for Student Credit Cards</h3><p>Created specifically for college students, these cards are best for young adults who haven't built much credit yet and can be secured with a cash deposit upfront.</p><p>Slightly more forgiving, these student credit cards can be a great way to build credit while still in school, but can have high interest rates. While some borrowers with the best credit scores will see rates around 18%, interest rates could be as high as 29%.</p><div class="horizontal-scroll"><table style="height: 111px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10 px" class="table-content"><tbody class="table-content-body"><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Credit card</strong></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Rate (APR) range</strong></td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-quicksilver-student-cash-rewards-credit-card-review" data-analytics-product-module="body_link" rel="">Capital One Quicksilver Student Cash Rewards Credit Card</a></p></td><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular">19.74% - 29.74% Variable (<a href="https://affiliate.insider.com/?h=e7db5b774b9e6fcf411936516abb1d5517f6d89dccaf6522c8d7e0276b51baee&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728888" data-analytics-product-module="tables" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=e7db5b774b9e6fcf411936516abb1d5517f6d89dccaf6522c8d7e0276b51baee&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728888">rates and fees</a>)</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-student-cash-back-card-review" data-analytics-product-module="body_link" rel="">Discover it® Student Cash Back</a></p></td><td style="width: 50%; height: 20px;" class="headline-regular"><p style="text-align: center;" class="headline-regular">17.74% - 26.74% Variable</p></td></tr><tr style="height: 51px;"><td style="width: 50%; text-align: center; height: 51px;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-savor-card-review" data-analytics-product-module="body_link" rel="">Capital One Savor Student Cash Rewards Credit Card</a></p></td><td style="width: 50%; text-align: center; height: 51px;" class="headline-regular">19.74% - 29.74% Variable (<a href="https://affiliate.insider.com/?h=0c736f694a16a7e9f23b26c7bdd2fe54683022fb31a884352dc7cec140b82fd6&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728893" data-analytics-product-module="tables" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=0c736f694a16a7e9f23b26c7bdd2fe54683022fb31a884352dc7cec140b82fd6&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728893">rates and fees</a><a href="https://bit.ly/46HAmFY" target="_blank" rel="noopener nofollow" data-analytics-product-module="tables"></a>)</td></tr></tbody></table></div><h2 data-toc-label="Interest Rates for Introductory APR cards" id="interest-rates-for-introductory-apr-cards" class="toc-anchor">Interest Rates for Introductory APR cards</h2><p>The <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-analytics-product-module="body_link" rel="">best balance transfer credit cards</a> allow you to consolidate credit card debt onto one card while paying a 0% APR for a promotional period, sometimes for more than a year. These offers can save you a lot of money on interest, but weigh the pros and cons to be sure a <a href="https://www.businessinsider.com/personal-finance/credit-cards/are-balance-transfers-worth-it" data-analytics-product-module="body_link" rel="">balance transfer is worth it</a> for you.</p><p>Cards with an intro 0% APR can also be used to finance large purchases for a short amount of time. Some cards offer an introductory 0% APR on both balance transfers and purchases.</p><p>But, these cards won't be interest-free forever: Rates go up after the introductory period is over. During the introductory period, interest won't accrue on your balance. If you pay off your card in full by the time the offer is up, it can be a good alternative to a personal loan. After that intro period is over, you'll pay a fairly typical interest rate. (You can find the details for your specific card in the issuer's <a href="https://www.businessinsider.com/personal-finance/credit-cards/credit-card-terms-conditions-schumer-box" data-analytics-product-module="body_link" rel="">terms and conditions</a>.)</p><p>Here are a few examples of how this works with a few popular cards that offer a 0% intro rate. </p><div class="horizontal-scroll"><table style="height: 102px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10px" class="table-content"><tbody class="table-content-body"><tr style="height: 20px;"><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Credit card</strong></p></td><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Introductory APR</strong></td><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Regular APR</strong></td></tr><tr><td style="width: 33.3333%; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/wells-fargo-reflect-credit-card-review" data-analytics-product-module="body_link" rel="">Wells Fargo Reflect® Card</a></p></td><td style="width: 33.3333%; text-align: center;" class="headline-regular">0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days</td><td style="width: 33.3333%; text-align: center;" class="headline-regular">17.49%, 23.99%, or 29.24% variable</td></tr><tr style="height: 42px;"><td style="width: 33.3333%; height: 42px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/blue-cash-everyday-amex-card-review" data-analytics-product-module="body_link" rel="">Blue Cash Everyday® Card from American Express</a></p></td><td style="width: 33.3333%; height: 42px; text-align: center;" class="headline-regular">0% intro APR on purchases and balance transfers for 15 months from account opening</td><td style="width: 33.3333%; height: 42px; text-align: center;" class="headline-regular">18.49% - 29.49% Variable</td></tr><tr style="height: 20px;"><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/citi-simplicity-card-review" data-analytics-product-module="body_link" rel="">Citi Simplicity® Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Citi Simplicity® Card has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a></p></td><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular">0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months</td><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular">19.24% - 29.99% Variable</td></tr><tr style="height: 20px;"><td style="width: 33.3333%; height: 20px; text-align: center;" class="headline-regular headline-semibold"><a href="https://www.businessinsider.com/personal-finance/credit-cards/citi-double-cash-card-review" data-analytics-product-module="tables" rel="">Citi® Double Cash Card</a></td><td style="width: 33.3333%; text-align: center; height: 20px;" class="headline-regular">0% intro APR on balance transfers for 18 months</td><td style="width: 33.3333%; text-align: center; height: 20px;" class="headline-regular"><p class="headline-regular">19.24% - 29.24% Variable</p></td></tr><tr><td style="width: 33.3333%; text-align: center;" class="headline-regular headline-semibold"><a href="https://www.businessinsider.com/personal-finance/credit-cards/us-bank-visa-platinum-card-review" data-analytics-product-module="tables" rel="">U.S. Bank Visa® Platinum Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="All information about the U.S. Bank Visa® Platinum Card has been collected independently by Business Insider and has not been reviewed by the issuer of this product." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a></td><td style="width: 33.3333%; text-align: center;" class="headline-regular">0% intro APR on purchases and balance transfers for 18 billing cycles</td><td style="width: 33.3333%; text-align: center;" class="headline-regular"><p class="headline-regular">18.74% - 29.74% Variable</p></td></tr></tbody></table></div><h3>Remember: Interest Rates Only Apply to Unpaid Balances</h3><p>If you pay your credit card in full each month, credit cards can be valuable tools to earn airline miles or <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-hotel-credit-cards" data-analytics-product-module="body_link" rel="">hotel points</a>, get cash back, and build your credit history, with no interest involved.</p><p>If you don't pay your credit card bill in full each month, the interest rate will apply, and add to the total amount you owe. It can get out of hand quickly, and the debt your card accumulates negates any of the rewards you could earn. </p><p>Paying your credit card in full means you'll never have to worry about paying more for your purchases than you need to, and can help you earn rewards to enjoy as well. While credit card interest rates can seem high, they're non-existent if you pay your account in full each month and use your card responsibly.</p><h2 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]">Managing and Lowering Your Interest Rates</h2><h3 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]">Strategies for Reducing APR</h3><p>Getting a lower interest rate on your credit card can in many cases be as easy as calling the issuer and asking for a reduction. Credit card interest rates are negotiable. Chances are good that you'll be able to get a lower rate by simply asking for it if you've been consistently making payments on time and have a good credit score.</p><p>If you can't get a reduction in your rate, there are still ways to reduce the amount of interest you pay. Paying off your full balance each month is the surest way, if you have the wherewithal to do so. </p><p>Making several payments each month is another strategy to reduce interest costs. If you plan to pay off a certain amount of your credit card debt at the end of the month, but you won't be able to pay off all of it, splitting that amount into several payments throughout the month reduces your average daily balance and the amount of interest you're charged.</p><p>You can also consider a balance transfer — moving debt from a high-interest account to one with a lower rate. Some balance transfer credit cards are even interest-free for the first 12 to 21 months, which means all your payments will go toward reducing the principal. </p><h2 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]" data-toc-label="FAQs" id="faqs" class="toc-anchor">Average credit card interest rate FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the average credit card interest rate currently? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">While the average can vary, rates typically range between 15% to 23%, depending on the card type and consumer creditworthiness.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How can I find my credit card's interest rate? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Your APR is listed in your credit card agreement and on your monthly statement. You can also contact your credit card issuer directly for this information.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I negotiate a lower interest rate on my credit card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, it's possible to negotiate a lower rate, especially if you have a history of timely payments or if your credit score has improved since you received your card.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Do all credit cards have the same interest rate? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">No, interest rates can vary widely based on the card issuer, the type of credit card, and the cardholder's credit score.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How can I avoid paying high interest on my credit card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Pay off your balance in full each month, take advantage of cards with introductory 0% APR offers, or transfer balances to a card with a lower interest rate.</p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?resize=1&ident=99&pub_inventory=credit-cards/average-credit-card-interest-rate-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/liz-knueven" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="liz-knueven"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5d2ce42ea17d6c5b4224de98?crop=1:1&width=256&format=jpeg&auto=webp" alt="4E417690 46FD 4DE1 8FF6 70297AEA7C30.JPEG"> <noscript> <img src="https://i.insider.com/5d2ce42ea17d6c5b4224de98?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/liz-knueven" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Liz Knueven</div> </a> <div class="post-author_title headline-regular">Personal Finance Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Liz was a personal finance reporter at Insider. </span> <span>Before joining Insider, she wrote about financial and automotive topics as a freelancer for brands like LendingTree and Credit Karma. </span> <span>She earned her bachelor's degree in writing from The Savannah College of Art and Design. She lives and works in Cincinnati, Ohio. Find her on Twitter at <a href="https://twitter.com/lizknueven" rel=" nofollow">@lizknueven</a>.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/joseph-hostetler" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="joseph-hostetler"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6189859123745d0018258b46?crop=1:1&width=256&format=jpeg&auto=webp" alt="Joseph Hostetler"> <noscript> <img src="https://i.insider.com/6189859123745d0018258b46?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/joseph-hostetler" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Joseph Hostetler</div> </a> <div class="post-author_title headline-regular">Credit cards reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Joseph Hostetler is a credit card expert who specializes in helpful miles and points tricks. He is also a Certified Educator in Personal Finance (CEPF).</span><span>Joseph has more than six years of experience writing professionally about credit cards, previously authoring and editing for The Points Guy and Million Mile Secrets. </span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>For rates and fees of the Blue Cash Preferred® Card from American Express, please click <a href="https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/blue-cash-preferred-credit-card/26129-10-0/" target="_blank" rel="nofollow" >here.</a></em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>For rates and fees of the Blue Cash Everyday® Card from American Express, please click <a href="https://oc.brcclx.com/t/?lid=26673864&cr=18376&last_updated=1441999439" target="_blank" rel="nofollow" >here.</a></em></p></p> </div> </section> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" 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