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National credit card rates for May 26, 2011

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  • 13.36% (all fixed)
  • 14.46% (all variable)

Here's a look at the state of credit card rates from's weekly national survey of large banks and thrifts conducted May 25, 2011.

The average annual percentage rate, or APR, on fixed-rate credit cards has been static at 13.36 percent all year, and the trend continued in Bankrate's latest survey of rates. The average APR for variable-rate cards, which are far more common, remained unchanged for a fourth consecutive week at 14.46 percent.

The rate of credit card charge-offs, which are delinquent balances that have been written off as uncollectible, improved last month, according to Moody's Credit Card Index. The charge-off rate fell to 7.16 percent from 7.35 percent in March. The firm expects charge-offs to dip below 7 percent in the next two months and below 4 percent by the end of 2012. makes it easier to find balance-transfer credit cards and low-interest 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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