Most U.S. credit cards today typically feature Annual Percentage Rates (APRs) between 13%–24%. This range represents the market average, influenced by factors like the prime rate, consumer creditworthiness, and economic conditions. Consumers with better credit scores usually secure lower APRs, while those with less robust credit histories often pay interest at the higher end of this scale. Understanding your APR is essential, as higher rates can quickly lead to increased debt, especially if you carry balances month to month.