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Commercial bank interest rate on credit card plans in the United States from November 1994 to November 2025

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Source

Release date

January 2026

Region

United States

Survey time period

November 1994 to November 2025

Special properties

Not seasonally adjusted

Supplementary notes

Annual averages.

Citation formats

Monthly commercial bank interest rate on credit card plans in the U.S. 1994-2025

Published by ÌÇÐÄÆƽâ°æ Research Department, Jan 12, 2026

Commercial bank interest rates on credit card plans in the United States were over *** percent higher in early 2025 than in the same period in 2022. In February 2025, the interest amount on credit card plans amounted to percent. Alongside this development, the overall amount of credit card debt in the U.S. reached an all-time high in Q4 2023. Credit cards are considered one of the most common ways to pay in the United States, so potential changes in credit card debt are closely tied to both the inflation figure and the central bank interest rate of the country.

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Credit cards in the United StatesMobile payments in the United StatesHoliday season e-commerce in the United StatesCost of living in the U.S.Inflation in the U.S.
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