Credit Cards

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

Here's a look at the state of credit card rates from Bankrate.com'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.

Bankrate.com makes it easier to find cash-back credit cards and low-rate cards. You can search by issuer, card type or credit score.