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Credit Card Rates Are Still Near 21%: 6 Balance Moves Households Should Review Before Charging More

Brandon Marcus

Credit card rates remain painfully close to 21%, with the Federal Reserve’s latest FRED data showing an average rate of 20.94% for all commercial bank credit card plans in May 2026. That number turns a casual “put it on the card for now” into a decision worth examining before the next grocery run, car repair, or online shopping spree. Households still have options besides simply

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