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National credit card rates for Dec. 18, 2014

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Credit Cards

  • 13.02% (all fixed)
  • 15.7% (all variable)

Credit card rates remained unchanged for the fifth week in a row, according to Bankrate's weekly survey of interest rates.

The average annual percentage rate, or APR, for fixed-rate cards held at 13.02 percent, where it has stood for nearly two years. The APR for variable-rate cards was 15.7 percent, where it has held since the third week of November.

This week, a new report from the Consumer Financial Protection Bureau, or CFPB, found that the number of credit card agreements colleges have with various financial institutions has declined almost 70 percent since new laws were passed in 2009.

The bureau alleges that campuses and financial institutions are instead pushing debit and prepaid card products to students, since these payment methods carry less stringent disclosure requirements.




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Product Rate Change Last week
Balance Transfer Cards 15.80% --0.00 15.80%
Cash Back Cards 16.42% --0.00 16.42%
Low Interest Cards 11.09% --0.00 11.09%
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