What Is the Wall Street Journal Prime Rate?
The WSJ prime rate sits at 7.50% as of July 2025, set 3 points above the federal funds rate. It directly affects credit cards, HELOCs, and auto loans.
Apr 9 2026
Read MoreTag: federal funds rate
How the Prime Rate Affects Your Credit Card Interest Rates
With the prime rate at 7.50%, a card with a 14-point margin carries a 21.50% APR—and even a quarter-point Fed move hits your monthly statement fast.
Feb 21 2026
Read MorePrime Rate vs Federal Funds Rate: What Is the Difference?
The prime rate sits exactly 3 points above the federal funds rate—currently 7.50% vs 4.25–4.50%. Here’s what that fixed spread means for your loans and credit cards.
Feb 14 2026
Read MoreWhat Is the Prime Rate and How Is It Determined?
At 7.50% as of July 2025, the prime rate sets the floor for credit cards, HELOCs, and variable loans. Here’s exactly how the Fed’s decisions move that number.
Feb 2 2026
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