Graph and download economic data for Commercial Bank Interest Rate on Credit Card Plans, All Accounts (TERMCBCCALLNS) from Nov 1994 to Aug 2025 about credit cards, consumer credit, loans, consumer, interest rate, banks, depository institutions, interest, rate, and USA.

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 on credit card debt are closely tied to both the inflation figure and central bank interest rate of the country.

United States - Commercial Bank Interest Rate on Credit Card Plans, Accounts Assessed Interest was 22.83% in August of 2025, according to the United States Federal Reserve. Historically, United States - Commercial Bank Interest Rate on Credit Card Plans, Accounts Assessed Interest reached a record high of 23.37 in August of 2024 and a record low of 11.96 in February of 2003. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Commercial Bank Interest Rate on Credit Card Plans, Accounts Assessed Interest - last updated from the United States Federal Reserve on November of 2025.

Credit Card Interest Rate - Historical chart and current data through 2025.

Graph and download economic data for Delinquency Rate on Credit Card Loans, Banks Not Among the 100 Largest in Size by Assets (DRCCLOBN) from Q1 1991 to Q3 2025 about credit cards, delinquencies, loans, assets, banks, depository institutions, rate, and USA.

Graph and download economic data for Charge-Off Rate on Credit Card Loans, Banks Ranked 1st to 100th Largest in Size by Assets (CORCCT100S) from Q1 1985 to Q3 2025 about charge-offs, credit cards, loans, assets, banks, depository institutions, rate, and USA.

United States - Commercial Bank Interest Rate on Credit Card Plans, All Accounts was 21.39% in August of 2025, according to the United States Federal Reserve. Historically, United States - Commercial Bank Interest Rate on Credit Card Plans, All Accounts reached a record high of 21.76 in August of 2024 and a record low of 11.82 in August of 2014. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Commercial Bank Interest Rate on Credit Card Plans, All Accounts - last updated from the United States Federal Reserve on December of 2025.

United States - Delinquency Rate on Credit Card Loans, All Commercial Banks was 2.98% in July of 2025, according to the United States Federal Reserve. Historically, United States - Delinquency Rate on Credit Card Loans, All Commercial Banks reached a record high of 6.77 in April of 2009 and a record low of 1.53 in July of 2021. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Delinquency Rate on Credit Card Loans, All Commercial Banks - last updated from the United States Federal Reserve on December of 2025.

Large Bank Credit Card Balances - 90+ Days Past Due Rates - Historical chart and current data through 2025.

The interest rate for credit cards in the UK grew to an all-time high in May 2025, even though the base rate for the Bank of England grew at a slower pace that month. Credit card interest rates tend to be significantly higher than other forms of lending, and the United Kingdom is no exception to this. By May 2025, the average interest rate had increased to ***** percent. The Bank of England base rate stood at **** percent since April 2025 – which was not yet the highest value observed. Nevertheless, the central bank's interest rate grew slower than that of credit cards.

Credit card debt in the United States has been growing at a fast pace between 2021 and 2025. In the fourth quarter of 2024, the overall amount of credit card debt reached its highest value throughout the timeline considered here. COVID-19 had a big impact on the indebtedness of Americans, as credit card debt decreased from *** billion U.S. dollars in the last quarter of 2019 to *** billion U.S. dollars in the first quarter of 2021. What portion of Americans use credit cards? A substantial portion of Americans had at least one credit card in 2025. That year, the penetration rate of credit cards in the United States was ** percent. This number increased by nearly seven percentage points since 2014. The primary factors behind the high utilization of credit cards in the United States are a prevalent culture of convenience, a wide range of reward schemes, and consumer preferences for postponed payments. Which companies dominate the credit card issuing market? In 2024, the leading credit card issuers in the U.S. by volume were JPMorgan Chase & Co. and American Express. Both firms recorded transactions worth over one trillion U.S. dollars that year. Citi and Capital One were the next banks in that ranking, with the transactions made with their credit cards amounting to over half a trillion U.S. dollars that year. Those industry giants, along with other prominent brand names in the industry such as Bank of America, Synchrony Financial, Wells Fargo, and others, dominate the credit card market. Due to their extensive customer base, appealing rewards, and competitive offerings, they have gained a significant market share, making them the preferred choice for consumers.

Merchant swipe fees varied noticeably between credit card brands, with Discover being the cheapest of the four main networks found in the United States. This is according to a custom data table that tried to combine the interchange and assessment fees for payment networks. The source explicitly states it does not include payment processing fees - which is a part of the total merchant processing fee - as each credit card brand structures this differently from one another. The average credit card processing fee, or swipe fee, was **** percent. This means roughly **** percent of the money paid in a transaction goes to the payment network. The actual fee can vary on the terms set by Visa, Mastercard, Discover, and American Express, but also on the merchant category code, or MCC, of the business involved.

Credit Card Loan Delinquency Rate - Historical chart and current data through 2025.

Credit Card Charge-Off Rate - All Commercial Banks - Historical chart and current data through 2025.

Delinquency rates for credit cards picked up in 2025 in the United States, leading to the highest rates observed since 2008. This is according to a collection of one of the United States' federal banks across all commercial banks. The high delinquency rates were joined by the highest U.S. credit card charge-off rates since the Financial Crisis of 2008. Delinquency rates, or the share of credit card loans overdue a payment for more than ** days, can sometimes lead into charge-off, or a writing off the loan, after about six to 12 months. These figures on the share of credit card balances that are overdue developed significantly between 2021 and 2025: Delinquencies were at their lowest point in 2021 but increased to one of their highest points by 2025. This is reflected in the growing credit card debt in the United States, which reached an all-time high in 2023. As of Q2 2025, the delinquency rate stands at 3.05%.

United States - Charge-Off Rate on Credit Card Loans, All Commercial Banks was 4.48% in October of 2024, according to the United States Federal Reserve. Historically, United States - Charge-Off Rate on Credit Card Loans, All Commercial Banks reached a record high of 10.97 in April of 2010 and a record low of 1.57 in October of 2021. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Charge-Off Rate on Credit Card Loans, All Commercial Banks - last updated from the United States Federal Reserve on November of 2025.

Credit card delinquency reached its highest level since 2019 in the first quarter of 2024, whereas mortgage delinquency declined to its lowest level. This is according to consumer data supplied by large banks that have to report such figures when handling over 100 billion U.S. dollars worth of assets. **** percent of credit card balances were ** days late - the highest percentage since tracking began in 2012. First-lien mortgage origination remained historically low, likely due to high interest rates and housing prices. Note the graphic shown here is different from another source on credit card delinquency rates in the U.S., as those figures are aggregates.

View quarterly updates and historical trends for US Credit Card Accounts Delinquent by 90 or More Days. from United States. Source: Federal Reserve Bank o…

Graph and download economic data for Large Bank Consumer Credit Card Balances: 30 or More Days Past Due Rates: Balances Based (RCCCBBALDPD30P) from Q3 2012 to Q2 2025 about 30 days +, FR Y-14M, credit cards, consumer credit, large, balance, loans, consumer, banks, depository institutions, rate, and USA.

United States - Delinquency Rate on Credit Card Loans, Banks Ranked 1st to 100th Largest in Size by Assets was 2.93% in April of 2025, according to the United States Federal Reserve. Historically, United States - Delinquency Rate on Credit Card Loans, Banks Ranked 1st to 100th Largest in Size by Assets reached a record high of 6.87 in April of 2009 and a record low of 1.44 in July of 2021. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Delinquency Rate on Credit Card Loans, Banks Ranked 1st to 100th Largest in Size by Assets - last updated from the United States Federal Reserve on November of 2025.