FinBedrock Research

Research

Original data studies from the cards and products FinBedrock checks against issuers' own terms — refreshed on a fixed schedule, free to cite.

Credit Card APR Index: Average APR by Issuer

October 2026 edition · data as of October 10, 2026

Every variable APR is the Prime Rate plus a margin the bank picks. We split the two for every card we review, verified against issuer disclosures — by…