US President Donald Trump Announces Credit Card Rate Cuts, How Does it Affect Crypto Investments?

• US President Donald Trump has announced to cap credit card rates at 10% effective January 20, 2026.
• Crypto investments are likely to expand – research and risk assessment recommended.
• BTC and ETH plunged in the last 24 hours.

US President Donald Trump has announced rate cuts on credit cards, bringing them down significantly for citizens. This in addition to cutting home loan rates and removing tax on American car loans. These are expected to collectively influence crypto investments – thereby impacting crypto prices.

Announcements by US President Donald Trump

US President Donald Trump has made several announcements; however, three of them have drawn a lot of attention in the context of crypto investments. The most recent announcement pertains to capping the interest rate on credit cards. Trump has said that credit card rates will be capped to 10% for one year starting from January 20, 2026, bringing them down from 20-30%.

HUGE: President Donald J. Trump announces a one year cap on Credit Card Interest Rates of 10% effective January 20, 2026. 💸 pic.twitter.com/WKJ4Fk4SnC

— The White House (@WhiteHouse) January 10, 2026

However, a fact check on X by its AI tool, Grok, has highlighted that this could be a proposal or call for action. This is based on the principle that capping credit card interest rates requires congressional legislation. Interestingly, the announcement comes days after Trump tabled his plan to lower housing costs for Americans and implement no tax on American cars.

What Happens to Crypto Investments?

Global crypto markets are holding volatility with a dip of 0.84% in the market cap. This is mainly in consideration of a delay in the court’s verdict on tariffs and the announcement of the unemployment rate. The possibility of capping credit card rates, along with other announcements, does open the possibility to save finances and divert them to the crypto market. The Federal Reserve cutting rate at the January 27-28 meeting could further facilitate allocation to the segment.

For now, the likes of BTC and ETH are down by 0.36% and 0.77% over the last 24 hours, respectively. Bitcoin tokens are trading at $90,529.63, and Ether is exchanging hands at $3,087.63 when the article is being written. It is recommended to do thorough research and risk assessment before crypto investments.

ETFs’ Performance

Spot Bitcoin ETF and Spot Ether ETF noted significant outflows on January 09, 2026 – making it the 4th consecutive time for BTC ETF and the 3rd consecutive day for ETH ETF. Outward movement was $250 million for Spot Bitcoin ETF and $93.8 million for Spot Ether ETF.

Their respective historical cumulative inflows now stand at $56.38 billion and $12.45 billion. Suffice to say, volatility is impacting their ETF products in the market as well.

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