In this time of historically high credit card rates, the very best credit card interest rates are still offered to those with top credit scores, usually considered 700 or above. What's more, rewards credit cards may have some of the higher APRs available, since card issuers are aware that consumers with good credit are typically using these cards for rewards and paying them off monthly. While rates may vary according to the type of card you get, the average credit card interest rate clocks in at around 16%. The problem is that when you apply for a card, you can only see the card's range of interest. You won't know the exact interest rate you're likely to receive until you're approved and actually receive your card. You can take an educated guess that if your credit score is 700 and above, you'll probably get the lowest of the range for that card. If your scores fall in the mid to high 600s, you'll likely hit the card's mid-range interest rate, and if your scores are lower than the mid-600s, you can count on being offered the highest end of that card's interest rate range.