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Credit card interest rates for March 28, 2013

Janna Herron

Interest Rate Roundup

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Credit Cards

  • 13.02% (all fixed)
  • 15.12% (all variable)

The average annual percentage rate, or APR, for variable-rate credit cards fell 3 basis points to 15.12 percent from 15.15 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.

The amounts that banks can charge before a credit card account is opened can't be capped, according to a final ruling Friday from the Consumer Financial Protection Bureau. The agency said any fees incurred before an account's opening are not subject to a provision in the Credit Card Accountability, Responsibility and Disclosure Act of 2009 that says fees in the first year can't exceed 25 percent of the credit card's limit. The ruling from the CFPB reflected a federal court ruling last year.

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