Issuer APR Bands for Fair Credit: August Watchlist

According to the latest CFPB‑reported survey of major U.S. credit‑card issuers, the typical APR for fair‑credit products (FICO scores 580‑669) now falls between 22.9% and 26.5%, a modest improvement from the 24.0%‑27.8% band seen earlier this year.

While some issuers have introduced promotional 0% intro periods for balance transfers, the standard purchase APR remains tied to the prime rate plus a margin that varies by issuer risk models; consumers should compare both the introductory and ongoing rates before applying.

FairScoreGuide notes that these trends are informational only and do not guarantee approval or specific terms, and we maintain affiliate independence in our reporting.