credit cards

National credit card rates for Jan. 27, 2011

Interest Rate Roundup
Credit card rate graph

Credit Cards

  • 13.36% (all fixed)
  • 14.41% (all variable)

Here's a look at the state of credit card rates from's weekly national survey of large banks and thrifts conducted Jan. 26, 2011.

The interest rate for purchases on all fixed-rate credit cards has averaged 13.36 percent for the entire month of January. This week, the variable-APR average bumped up 7 basis points to 14.41 percent as three new variable-rate offers were added to the survey.

The Federal Open Market Committee met today and announced no changes to short-term interest rates or its asset-purchase program known as quantitative easing, or "QE2". The target federal funds rate will stay in a range between zero and 0.25 percent, and the prime rate will remain at 3.25 percent. Variable-rate credit cardholders won't see prime rate-triggered increases to their APR. 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 15.71%  0.01 15.70%
Cash Back Cards 16.36% --0.00 16.36%
Low Interest Cards 10.91% --0.00 10.91%

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