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Credit Card Apr And Fees Dataset Data: Dataset Structure and Field Coverage
Datadory delivers credit card apr and fees dataset data covering comprehensive field definitions, entity mappings, and historical time series — structured for direct analytics and delivered on demand.
1,744 datasets. Pick your catch.
What is the best credit card APR and fees dataset?
Start with the CFPB Credit Card Plans Survey (TCCP) and Market Reports. It is the only source in Datadory's consumer-finance slice that records card pricing as structured rows: about 665 plan rows per recent survey period across 147 columns, covering 150+ issuers, with one row per card plan per issuer per period and plan availability flagged national, regional, or single-state. The survey has been collected since 1990, moved to an enhanced instrument in 2023, and now releases semiannually - the latest verified period is July-December 2025.
The CFPB Credit Card Agreement Database is the companion record. It holds agreements from more than 600 U.S. issuers as one PDF per issuer per card product, grouped into 56 quarterly archive ZIPs spanning Q3-2011 through Q1-2026 (with a gap for most of 2015, Q4 only). The TCCP gives you comparable numbers; the agreement archive gives you the exact contract language behind them.
Which datasets track credit card APR over time?
For rate history rather than point-in-time pricing, the Federal Reserve G.19 Consumer Credit release is the series to load. Its machine-readable package holds 118 series totaling about 78,000 monthly observations from January 1943 to June 2026, disaggregated by credit type (revolving versus nonrevolving) and holder type (depository institutions, finance companies, credit unions, federal government, nonprofits). Terms-of-credit interest-rate series begin as early as June 1971; student loan and motor vehicle memo items publish quarterly only. The full SDMX XML package is about 6.0 MB zipped and the largest preformatted CSV package is 669.8 KB - small enough to keep in version control.
How do you build a competitor APR comparison from these files?
A five-step walkthrough covers the standard pricing-analyst workflow:
Who uses credit card APR and fees data?
Three workflows dominate. Market researchers size the pricing landscape by slicing TCCP's ~665 plan rows per period across 150+ issuers, then cross-tab by availability geography. Compliance and pricing teams verify their own filings: quarterly agreement PDFs from 600+ institutions let them check that posted terms match filed ones. Macro analysts fold card pricing into cycle work through the G.19's 118 series, joining revolving-rate trends to balances by holder type.
Where to go next
This page is one cluster inside a larger guide. For the full industry picture - all 24 free datasets, from complaints to Findex - read the consumer finance data guide.
Two adjacent clusters extend the card-pricing workflow: the complaint database pages cover conduct monitoring by issuer and product, while the G.19-focused material covers revolving-credit time-series work. The dataset pages themselves carry field-level detail: the TCCP plans survey, the agreement database, and the G.19 release.
Pick up where this leaves off
Every one of these ships with sample rows before you commit to anything.
CFPB Credit Card Plans Survey (TCCP) and Market Reports
CFPB Credit Card Agreement Database
Federal Reserve G.19 Consumer Credit Data
Eight documented core fields · with holder-level
CFPB Consumer Complaint Database
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Get a sampleQuestions worth asking
Does the TCCP include both APRs and fees?
Yes. Each TCCP row captures a card plan's pricing terms as reported by the issuer under the Fair Credit and Charge Card Disclosure Act, with 147 columns per recent periods covering roughly 665 plan rows. The published field dictionary documents each variable, and fee language can be verified against the issuer's agreement PDF in the CFPB's quarterly archive.
How far back does historical credit card APR data go?
Two depths exist. The Federal Reserve G.19 carries 118 series with about 78,000 monthly observations from January 1943 to June 2026, including terms-of-credit interest-rate series beginning as early as June 1971. The CFPB TCCP reaches back to its 1990 start, though the enhanced survey instrument dates from 2023 and current releases are semiannual.
What is the difference between the TCCP and the agreement database?
Grain and purpose. The TCCP is structured: one numeric row per plan per issuer per survey period, built for cross-issuer comparison. The agreement database is documentary: one PDF per issuer per card product filed quarterly under the CARD Act, preserving exact contract language. Use TCCP to rank pricing and agreements to audit the wording behind any given rank.