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Read in 1 minute January April 2023 Author Author Bankrate logo

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At Bankrate, we strive to help our customers make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to our partners' products. Here we will tell you how to make money. The content of this page is accurate as of the date of posting. However, some of the listed offers may have expired. Terms apply to offers listed on this page. The opinions, analyses, reviews or recommendations expressed in this article are those of the author only and have not been reviewed, endorsed or otherwise endorsed by any card issuer.

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Current credit card interest rates

3 Month Trend Variables
January 4, 2023 19.59%
December 28, 2022 19.60%
12 21/21/2022 19.55%
December 14, 2022 19.42%
July 12, 2022 19.40%
November 30, 2022 19.20%
November 23, 2022 19.20%
November 16, 2022 19.14%
November 9, 2022 19.04%
November 2, 2022 18.77%
26 Oct 2022 18.73%
10 2022 19th of month 18.68%
12th of October 2022 18.67%
October 5, 2022 18.45%
September 28, 2022 18.38%

What types of credit card interest rates are available?

  • Buy APR: Interest at the time of purchase, usually applied at the time of credit card payment.
  • Balance Transfer APR: Interest payable on balances transferred from a loan or other credit card to the applicable credit card. Most cards start with a lower rate (sometimes 0%) for a specified number of months before transitioning to regular APR.
  • Referral APR: This is an incentive offered. A credit card company applies a special low interest rate to new applicants for a certain period after opening an account. This rate is often 0% APR at deployment and is consistently lower than the normal APR for each card.
  • Cash Advance APR: This rate is available at ATM or
  • Penalty APR: If you miss the may apply. This rate is more extreme than the normal APR (which can reach 29.99%) and is usually reduced to the standard rate after making timely payments for 6 months.

We have multiple resources. It will help you understand more about credit card interest rates. For more information, we recommend reading:

  • What is a credit card APR?
  • How to lower your credit card interest rate
  • What does 0% annual rate mean?
  • Fixed Rate Credit Cards and Why They're Hard to Get
  • Find the Best Low Interest Rate Credit Card Offers Available
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Other credit card options: 0% interest credit cards, balance transfer credit cards

To see more of the Bankrate team's findings, visit the Credit Card Statistics Center Please access.