Credit Cards

• 13.76% (all fixed)
• 14.55% (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 Nov. 23, 2010.

The average APR on variable-rate credit card offers moved up 1 basis point from last week to 14.55 percent. The average fixed rate hasn't changed since the beginning of October, when it slid from 13.79 percent to 13.76 percent.

According to a recent myFICO survey, 35 percent of respondents said they rely on credit cards for most of their holiday expenses, and nearly half charge $100 to $500 more than usual during the holidays. To stay within budget this year while using credit cards, apply these five tips for holiday spending.

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.