credit cards

National credit card rates for March 29, 2012

Interest Rate Roundup
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Credit Cards

  • 13.81% (all fixed)
  • 14.49% (all variable)

The average annual percentage rate for variable-rate credit cards dipped 3 basis points to 14.49 percent from 14.52 percent, according to Bankrate's latest survey of interest rates. A basis point is one-hundredth of 1 percentage point. The fixed APR remained at 13.81 percent for the third straight week.

Americans love to redeem their credit card rewards for money, according to a Capital One survey released this week. Cash is the top redemption choice among surveyed consumers at 45 percent, followed by gift cards and domestic flight tickets. More than a third of consumers apply their cash rewards to their statements, while almost a quarter socks it away in savings and 18 percent spend it on themselves.




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Product Rate Change Last week
Balance Transfer Cards 15.70%  0.02 15.72%
Cash Back Cards 16.40% --0.00 16.40%
Low Interest Cards 10.86% --0.00 10.86%

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