How Banks Determine the Spread Above the Prime Rate
Credit cards averaged 21.59% when prime sat at 7.50%—a 14-point spread most borrowers never question. Here’s exactly how banks calculate what they charge above prime.
Apr 4 2026
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How Banks Quietly Profit From the Spread Between Prime Rate and Your Loan Rate
Learn about bank spread above prime rate. Discover how banks mark up loan rates beyond prime to maximize profits — and what it costs you as a borrower.
Feb 10 2026
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