Credit Cards

• 13.74% (all fixed)
• 14.31% (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 July 28, 2010.

The average purchase APR for fixed-rate credit cards remained at 13.74 percent for the fifth consecutive week, but the mean variable rate slipped 8 basis points to 14.31 percent. PNC Bank has replaced GE Money Bank in our weekly survey, which triggered a drop in the average variable rate.

Under a provision in the new financial reform law, consumers penalized by their credit rating in an adverse action will automatically receive a free credit score disclosure. Overlapping risk-based pricing rules that go into effect on Jan. 1, 2011, could bring about even broader access to free credit scores.

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