According to multiple sources, the average credit card interest rate in the United States is around 24% to 27% . However, the actual interest rate that a person pays on their credit card can vary widely based on factors such as their credit score, debt-to-income ratio, and the type of credit card they have. For example, people with excellent credit scores may be offered interest rates as low as 17.9%, while those with poor credit scores may be offered rates as high as 29.99% or more. It is important to note that credit card interest rates are typically variable and can change over time.