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Average Credit Card Rates

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Credit card rates are stable as 2010 comes to a close. The lowest average credit card rate on our rate tables by category are on our Low Introductory Rate Cards. The current average low introductory credit card rate is 0.689 percent. 

Most of the low intro rate cards listed on our table have a 0.00% intro rate. Cards listed include American Express Blue Cash Credit Card, the Discover More Credit Card, the American Express SimplyCash Business Credit card and several other cards. Intro periods vary between 6 months and 12 months.

The next lowest rate is on our Low Balance Transfer Rate Cards. The current average low balance transfer credit card rate is 7.769 percent. Just like the intro cards listed most of the low balance transfer cards have an introductory rate of 0.00 percent.

The intro period on these cards range from 6 months to 24 months. Low balance transfer credit cards listed on our table include several Discover credit cards including the Open Road credit card and Miles credit card which both have intro periods of 6 months.

Credit Card Rates Average

  • Low Introductory Rate Cards 0.70%

  • Low Balance Transfer Rate Cards 7.77%

  • Reward Cards 12.17%

  • No Annual Fee Cards 12.29%

  • Small Business Cards 12.43%

  • Platinum Cards 12.51%

  • Cash Back Cards 12.59%

  • Student Cards 13.34%

  • Frequent Flyer Cards 13.88%

  • Credit-Builder Cards 15.26%

  • Secured Cards 16.35%

Search the credit card rate tables on to find the best credit card rate for your needs.

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Author: Robert Till
December 31st, 2010