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Must Reads
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30-Year T Bonds Jumped to 5.3%. Here's How to Buy Them Now
Long-term government bonds are paying more than they have in 19 years. Here's how to lock in a fixed rate -- the easy way and the direct way.
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Gen Z Has the Lowest Credit Card Debt of Any Working Generation. Here's Why
Low credit limits, a preference for debit, and a shift to buy now, pay later all help explain why younger Americans carry less card debt.
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What Actually Moves Your Credit Score in 2026 (and What's a Waste of Time)
Payment history and credit utilization make up the majority of your credit score. Here's what actually moves the needle in 2026 -- and what's just noise.
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Here's Why My Roth IRA Doubles as a Backup Emergency Fund
Contributions to a Roth retirement account can usually be withdrawn penalty-free, making it a surprisingly flexible savings tool.
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Here's How Much You Need to Fly per Year for a Travel Credit Card to Pay Off
The break-even point for a travel card usually isn't about flights. Credits and the welcome offer often cover the annual fee before you ever board.
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Our Top Balance Transfer Card of August 2026: 0% Intro APR for 21 Months
This Wells Fargo card offers 0% intro APR for nearly two years on balance transfers and purchases. Here's how to know if it's right for you.
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The Average Checking Account Interest Rate in July 2026
The national average checking account interest rate is 0.07% APY as of August 2026, per FDIC data. See how rates compare and where to find a better rate.
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Average Savings Account Interest Rate in August 2026
The national average savings account interest rate is 0.38% APY as of August 2026, per FDIC data. See how rates have changed and where to find a better rate.
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How Much Do Americans Spend on Gas Every Month?
Americans spent $201 a month on gas in 2024, or 3.1% of their budget. See how spending varies by income, age, and state.
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Average American Credit Card Debt
Credit card debt totaled $1.263 trillion as of the second quarter of 2026. Read on for more credit card debt statistics and trends.
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Average American Household Debt in 2026: Facts and Figures
American households carry $18.771 trillion in consumer debt as of the second quarter of 2026. Read on for more household debt statistics.
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The Average Credit Card Interest Rate
The average credit card interest rate is 21% APR as of May 2026, per Federal Reserve data. See how rates are set and what they mean for carrying a balance.
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In Depth Research
With that in mind, it might not be surprising that over half of our respondents had maxed out a credit card. The only group that saw a number under 50% was those with a self-reported net worth of $5 to $10 million.Jack Caporal, Research Director
59% of Americans have a cash back credit card and 49% have a travel rewards card.
Motley Fool Stock Disclosures
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