According to data from the Federal Reserve Bank of Philadelphia, cited by outlets like NerdWallet, the average purchase APR on U.S. credit cards now sits at 24.62%. During the pandemic, it was just over 20%. That gap may look small on paper, but in real life it adds up to hundreds of extra dollars in interest if you carry a balance.

It’s the kind of detail that turns into real money. Every extra week with debt now costs more than it used to.

Finny helps you make sense of it. Credit Mentor AI points out which card is draining you fastest and reminds you when it’s best to make a payment. Paying a little earlier or tackling the costliest balance first can save more than you might think.