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Money · Facts & sources

Credit Card facts & stats

4 sourced facts about credit cards, each with the context behind the number. 4 more are in today's round and appear here after it closes.

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Going deeper

In 2021, before rates began climbing sharply, the average U.S. credit card interest rate (APR) was about:

Answer14.60%

Rates jumped sharply over the following few years as the Federal Reserve raised interest rates.

Source: Federal Reserve Board, G.19 Consumer Credit (2021) federalreserve.gov

By 2024, the average interest rate on U.S. credit card accounts had climbed to about:

Answer21.58%

Higher rates made carrying a credit card balance much more expensive than a few years earlier.

Source: Federal Reserve Board, G.19 Consumer Credit (2024) federalreserve.gov

Expert level

As of July 2026, how much revolving consumer credit — mostly credit card debt — was outstanding in the United States?

Answerabout $1.36 trillion

Revolving credit balances have kept climbing as prices and interest rates both rose.

Source: Federal Reserve Board, G.19 Consumer Credit federalreserve.gov

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