Posted in Web Negative Interest Rates Explained: How Could They Affect You? February 11, 2021 Credit cards: Negative interest rates would certainly depress credit card interest rates. The average credit card rate right now is 16.61%, according to Q1 data from the Federal Reserve . https://www.forbes.com/sites/advisor/2020/05/18/negative-interest-rates-explained-how-could-they-affect-you/