What is the current commercial bank credit card interest rate?

The Commercial Bank Credit Card Interest Rate is 21.00% as of February 1, 2026, sourced from Federal Reserve G.19 via FRED (TERMCBCCALLNS).

Where does the credit card apr data come from?

Data is pulled from Federal Reserve G.19 via FRED (TERMCBCCALLNS) (https://fred.stlouisfed.org/series/TERMCBCCALLNS). CalcFi caches the latest reading and historical series on an quarterly cadence.

How often is the credit card apr updated?

Update cadence: quarterly. The freshness pill at the top of the page shows the exact "as of" timestamp for the latest cached value.

What unit is the credit card apr reported in?

Values are reported in percent (annualized where applicable). The chart and historical table use the same unit.

Can I download Credit Card APR data?

Yes. The full historical series is available as JSON at https://calcfi.app/api/data/credit-card-apr and as CSV at https://calcfi.app/api/data/credit-card-apr/history.csv. Both are CC BY 4.0.

Is Commercial Bank Credit Card Interest Rate data free to use?

Yes. CalcFi-distributed data is licensed CC BY 4.0 (attribution required). Upstream public-source data (FRED, BLS, Census) remains in its original license.

How accurate is the credit card apr on this page?

Values mirror the upstream Federal Reserve G.19 via FRED (TERMCBCCALLNS) feed at fetch time. Brief upstream revisions can cause small discrepancies between the live source and CalcFi's cache; the freshness pill flags stale data.

Which calculators use credit card apr?

Related calculators on CalcFi: Credit Card Payoff, Balance Transfer. Each prefills the latest credit card apr value.

Does this data replace financial advice?

No. Commercial Bank Credit Card Interest Rate data is published for educational reference. It is not personalized investment, tax, or legal advice. For decisions with material consequences, consult a licensed professional.

Commercial Bank Credit Card Interest Rate 2026 — 21.00% (Feb 1, 2026) | Free Data

Commercial Bank Credit Card Interest RateLive· 1h ago

21.00%

As of February 1, 2026+6.62pp

Calculate credit card payoff at 21.00%

Historical chart

Where today sits in history

At 21.00%, the current credit card apr sits in the 75th percentile of the last decade — in the middle of its 10-year range.

Month-over-month change: up 6.62 percentage points.

About this data

The average interest rate on credit card plans at commercial banks, all accounts. Published quarterly by the Federal Reserve in the G.19 Consumer Credit release. Key input for credit card payoff planning and balance transfer decisions.

Data sourced directly from Federal Reserve G.19 via FRED (TERMCBCCALLNS). Updated quarterly. Published by CalcFi Editorial. See our methodology.

CalcFi publishes publicly available government economic data. We do not provide financial advice. Consult a licensed advisor before making financial decisions.

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