Are you worried that your credit card’s terms are “worse” than average? Perhaps you’ve talked to friends and found out that their annual percentage rate (APR) is lower than yours, or their credit limit is higher.  

Or maybe you’re hunting for your first credit card and want to know if an offer you have found is a good deal. 

Knowing what is “normal” when it comes to credit cards can help you make solid comparisons. While there isn’t one set answer for what makes for a “normal” credit card, the following averages can give you a pretty good estimate.  

What Is the Average Credit Card APR? 

Annual percentage rate (APR) is the yearly cost you pay when borrowing with your credit card. It is expressed as a percentage.  

APR calculations include both the interest rate and fees. You can use the APR to simplify comparisons among different types of loan and credit card options. 

Credit cards can be split into two main categories: unsecured and secured. Unsecured credit cards are the most common type. They are not backed by collateral and you do not have to pay a security deposit to use them. The bank gives you a spending limit with these cards.   

A secured credit card requires a security deposit, and that security deposit serves as your spending limit. Basically, the bank uses your security deposit as an added measure of safety to make sure you can cover your spending.  

What Is the Average Credit Card Limit? 

Your credit limit is the maximum amount that you can spend on your credit card. A large limit means you can use your card for bigger purchases, although it’s usually not a good idea to spend too much.  

Credit utilization is the percentage of your available credit that you are currently using. It is a large contributor to credit scores. Experts recommend keeping your credit utilization below 30%.  

A higher credit limit can help lower your credit utilization, especially if you are careful and do not spend too much. 

The average credit limit was $29,885 in the third quarter of 2023, according to Experian. Don’t fret if yours is lower than that. Limits are based on your debt-to-income ratio, credit score and credit history, income and other factors.  

These factors mean older people often have higher limits. In 2023, members of Gen Z had an average credit limit of $12,899, Experian says. On the other hand, Gen Xers had an average credit limit of $38,665.  

If you think that your credit limit is too low, call your credit card issuer and ask them to raise the limit. If you have a history of on-time payments, they may be willing to give you an increase.  

What Is the Average Credit Score? 

In February 2025, the average credit score for all Americans was 715, according to FICO. That is considered a “good” credit score.  

There are a lot of factors that go into determining a credit score, including payment history, utilization ratios, credit mix and more.  

What Is the Average Amount of Credit Card Debt? 

The total amount of credit card debt in the U.S. was $1.21 trillion in the second quarter of 2025, according to the Federal Reserve Bank of New York.  

A large amount of credit card debt puts you in a bad financial situation. The relatively high interest rate on credit cards means that debt can snowball quickly.  

If you find yourself overwhelmed by credit card debt, you have options.  

One strategy is to do a balance transfer to a credit card with a lower interest rate. Another strategy is to consolidate your credit card debt using a personal loan. The most important thing is to reach out for help before the debt becomes unmanageable. 

The Bottom Line 

Averages can give you a helpful starting point, but they’re not the whole story. Your credit card’s APR, limit and balance depend on many personal factors, such as your credit history, income and spending habits.  

If you’re above or below average in any area, it doesn’t automatically mean something’s wrong. What matters most is how well your credit card fits your needs and how you manage it over time. 

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