US Credit Card Rates-CrediVita

US Credit Card Rates Origin: APR 15%-29.99%

Purchase APR: 15%-29.99% by FICO score
Balance Transfer: 0% promo 12-21 months | Cash Advance: 24.99%-29.99%
Chase, Capital One, Discover, Amex.

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Product Details

Purchase APR by FICO

Credit Level	FICO Range	Purchase APR
Excellent	740-850	15.00%-20.00%
Good	670-739	20.00%-25.00%
Fair	620-669	24.00%-28.00%
Poor	580-619	26.00%-29.99%
Secured Card	<580	27.00%-29.99%

Market average: interest-bearing accounts ~21.5%-22.2% APR (variable, follows Prime).

How to Apply — 3 Simple Steps

01Initial Preparation & Product Selection

Review your financial needs and compare loan options. Always evaluate based on APR (Annual Percentage Rate), which is the legally recognized standard for measuring the true cost of borrowing, including all fees and charges.

02Application Submission & Credit Review

Submit your application online. Lenders will review your credit profile, income, and debt-to-income ratio. Pre-qualification is available with most lenders using a soft credit pull that does not affect your credit score.

03E-Signature & Loan Funding

Once approved, review and sign your loan agreement electronically. Funds are typically deposited within 1-7 business days. Ensure monthly payments fit comfortably within your budget before signing.

Note: All rates and fees shown are estimates. Exact terms will be defined in the official loan agreement issued by your lender. Always request full APR disclosure before signing to avoid hidden costs.

APR by Transaction Type

Scenario	APR	Notes
Purchase	15.00%-29.99%	21-25 day grace; no interest if paid full
Balance Transfer	17.00%-29.99%	0% promo 12-21 months; 3-5% fee
Cash Advance	24.99%-29.99%	No grace; 3-5% fee (min $10)
Penalty APR	Up to 29.99%	60+ days overdue; min 6 months

Major Issuers

Issuer	APR	Notes
Chase	18.24%-27.74%	0% promo 15 months
Capital One	17.99%-29.99%	Subprime secured available
Discover	17.49%-26.49%	0% BT promotions
American Express	15.49%-27.74%	Premium high-credit
Credit Union	12.75%-17.00%	Higher qualification

Key Business Points

Most rates variable: Prime + margin. Fed changes sync to card APR.
TILA Reg Z: Schumer Box mandatory disclosure of all APR types and fees.
No interest if balance paid in full monthly; only revolving balances incur interest.
Cash advances: no grace period, much higher cost than purchases.
No federal rate cap; bank charter state decides. Military MAPR cap 36%.
Credit cards are revolving credit, different from installment loans.

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