The Aven Card rate will vary based on the Index - either Prime Rate published in the Wall Street Journal (WSJ) or the Federal Funds Target Rate - Upper Limit (FFTR-UL) set by the Federal Reserve. Please look at your account agreement for which the Index is used in your account. The maximum APR is 18%. The latest WSJ Prime Rate and FFTR-UL Rate can be found on the public internet at the Wall Street Journal webpage, or the Federal Reserve webpage.