APR vs. Interest Rate
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Is Your Credit Card Interest Rate Better Than Average?
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Last Updated: June 24, 2025
Key Takeaways
- The average credit card APR was 21.37% in the first quarter of 2025.
- The best credit card interest rates typically go to people with a good credit history and credit score.
- A credit card may have different interest rates for purchases, cash advances, and other types of transactions.
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