credit cards

National credit card rates for Dec. 2, 2010

Interest Rate Roundup
Credit card rate graph

Credit Cards

  • 13.76% (all fixed)
  • 14.57% (all variable)

Here's a look at the state of credit card rates from's weekly national survey of large banks and thrifts conducted Dec. 1, 2010.

The average APR on variable-rate credit card offers increased 2 basis points from last week to 14.57 percent. For fixed-rate credit card offers, the average APR remains 13.76 percent for the ninth week in a row.

A quarterly analysis of credit card trends released this week by TransUnion finds that more than 8 million consumers have stopped charging on their bank credit cards during the past year. The drop in credit card use stems from several factors, according to the Chicago-based credit reporting agency.

In a news release, TransUnion attributed the decline to "charge-offs in the higher-risk segments of the population, more conservative spending in the low-risk segments and significant efforts by consumers across the board to maintain the health of their credit card relationships as a financial cushion." makes it easier to find cash-back credit cards and low-rate cards. You can search by issuer, card type or credit score.

-- Leslie McFadden




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Product Rate Change Last week
Balance Transfer Cards 15.75%  0.02 15.77%
Cash Back Cards 16.45%  0.03 16.48%
Low Interest Cards 10.96% --0.00 10.96%
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