Observations

Q4 2025: 31.29

Updated: Apr 8, 2026 8:34 AM CDT

Units:

Percent,

Not Seasonally Adjusted

Frequency:

Quarterly,

End of Quarter

Notes

Title	Release Dates

Large Bank Consumer Credit Card Balances: Average Purchase APR: Private Label	2025-07-08	2026-04-08

Source

Federal Reserve Bank of Philadelphia	2025-07-08	2026-04-08

Release

FR Y-14M Large Bank Credit Card and Mortgage Data	2025-07-08	2026-04-08

Units

Percent	2025-07-08	2026-04-08

Frequency

Quarterly, End of Quarter	2025-07-08	2026-04-08

Seasonal Adjustment

Not Seasonally Adjusted	2025-07-08	2026-04-08

Notes

The average purchase (nonpromotional) APR for active private label credit card accounts, using the APR reported at quarter end. Any reported values below 5 percent are assumed to be promotional APRs and are therefore excluded. Active credit card accounts are defined as credit card accounts that are open and have had debit, credit, or balance activity in the last 12 months. For more detail see the methodology (https://sc103-philfed-prod-cm.sitecore-prod-ase4.appserviceenvironment.net/surveys-and-data/y14-methodology).	2025-07-08	2026-04-08

Large Bank Consumer Credit Card Balances: Average Purchase APR: Private Label (RCCCBAPRAVGPCTPL)