I'm Greg McBride, senior financial analyst with Bankrate.com and here is your weekly look at credit card rates.

The average variable credit card rate inched higher for the second week in a row, to 15.15 percent. Meanwhile, the average fixed rate credit card held at 13.02 percent.

Cardholders with good credit will find that the low-rate and zero-rate balance transfer offers are getting longer in duration. The best offers extend well beyond the 12-month timeframe, and many such offers can also be found for purchases made with the credit card.

Now this is not to ignore the divide that still exists between the ultra-low rates offered to consumers with strong credit and the higher rates for consumers with weaker credit profiles. But for consumers capable of improving their credit standing, or that have already done so, it remains a great time to shop around for a more competitively priced card.

For more information on credit cards, and to find the best credit card for your needs, visit Bankrate.com.

I'm Greg McBride.