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Credit card interest rates for April 25, 2013

Janna Herron

Interest Rate Roundup

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Credit Cards

  • 13.02% (all fixed)
  • 15.27% (all variable)

The average annual percentage rate, or APR, for variable-rate credit cards slipped 1 basis point to 15.27 percent from 15.28 percent, according to Bankrate's latest survey of interest rates. A basis point is one-hundredth of 1 percentage point. The APR for fixed-rate cards remained at 13.02 percent for the 10th week in a row.

On Tuesday, American Express said it will begin issuing EMV chip-enabled corporate cards in the first half of this year. EMV stands for Europay, MasterCard and Visa. The new chip cards won't require a personal identification number for authorization. EMV cards contain a microchip that encrypts transaction data uniquely every time the card is used, making counterfeiting nearly impossible. These cards are widely used in Canada, Europe and Asia.

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