All values come directly from Federal Reserve G.19 via FRED (TERMCBCCALLNS). We do not modify, smooth, or interpolate published values.
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.
Quarterly — we refresh daily; upstream publishes four times per year.
We gate dateModified updates to actual value changes (threshold: 0.01% absolute or 0.5% relative) to prevent freshness spoofing. If the upstream value hasn't moved, we don't claim we updated the page.
Full historical series is available as CSV with primary-source attribution:
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CalcFi. (2026). Commercial Bank Credit Card Interest Rate. Retrieved from https://calcfi.app/data/credit/credit-card-apr/revisions. Source: Federal Reserve G.19 via FRED (TERMCBCCALLNS).
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