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Credit Card Rates
    Avg. APR
Low Interest   11.62%
Business   12.85%
Student   13.14%
Balance Transfer   14.12%
Airline   15.10%
Reward   15.14%
Cash Back   15.27%
Instant Approval   18.00%
Bad Credit   22.73%
Updated: 2015-07-01
Source: CreditCards.com

Cross-device tracking raises privacy concerns

By Dinah Wisenberg Brin
Published: June 29, 2015

With cross-device tracking, marketers are looking to connect your smartphone, tablet and computer Internet behavior

>> Read Entire Story
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Recent News
$7 million in refunds coming for card add-on products --Consumer protection bureau tells credit monitoring vendors to reimburse customers who paid for services they didn't get... (more)
Rate survey: Average card rates hold steady at 15 percent --July 1, 2015: Interest rates on new credit card offers held still this week, according to the CreditCards.com Weekly Credit Card Rate Report... (more)
Comparing pro sports leagues' credit cards --From Major League Baseball to the UFC, credit card issuers are offering something for every sports fan. It's fine to root, root, root for the home team, but if they don't offer a credit card with decent terms, it's a shame... (more)
When does interest begin accruing on charges? --For those new to credit, it helps to know how interest can add to your balance ... (more)
Volume of credit cards finally back up near pre-recession levels --As of the fourth quarter of 2014, the total number of open credit card accounts, and the volume of new cards being issued, are both nearing the 2008 levels ... (more)
Low interest, zero percent cards
Rate survey: Average card rates hold steady at 15 percent --July 1, 2015: Interest rates on new credit card offers held still this week, according to the CreditCards.com Weekly Credit Card Rate Report... (more)
Rate survey: Average card APR rises to 15 percent --June 24, 2015: Average APR on new card offers inched up this week for the first time in over a month, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Average card rates remain at 14.99 percent for fifth week --June 17, 2015: Interest rates on new credit card offers remained cemented in place Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Average card rates remain stuck at 14.99 percent --June 10, 2015: The national average APR for new credit card offers remained locked in place Wednesday for the fourth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Average card rates don’t budge --June 3, 2015: Average rates on new credit card offers remained unchanged Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Balance transfer, debt consolidation
Rate survey: Average card rates hold steady at 15 percent --July 1, 2015: Interest rates on new credit card offers held still this week, according to the CreditCards.com Weekly Credit Card Rate Report... (more)
Rate survey: Average card APR rises to 15 percent --June 24, 2015: Average APR on new card offers inched up this week for the first time in over a month, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Don't ignore divorce decree debt mandate --If the court says you're liable for a debt, even if the bank says you're not, pay up or expect to face a contempt charge... (more)
The facts behind debt reduction methods --How your credit score is affected by a debt reduction plan depends on what type of action you are taking. It helps to know the facts before choosing a method... (more)
Average card rates remain at 14.99 percent for fifth week --June 17, 2015: Interest rates on new credit card offers remained cemented in place Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Reward programs
Rate survey: Average card rates hold steady at 15 percent --July 1, 2015: Interest rates on new credit card offers held still this week, according to the CreditCards.com Weekly Credit Card Rate Report... (more)
Comparing pro sports leagues' credit cards --From Major League Baseball to the UFC, credit card issuers are offering something for every sports fan. It's fine to root, root, root for the home team, but if they don't offer a credit card with decent terms, it's a shame... (more)
What else can I buy to boost my reward points? --There are ways to increase your rewards earnings by engaging in what's called "manufactured spending." But the time-consuming pursuit is not for everyone... (more)
Cross-device tracking raises privacy concerns --With cross-device tracking, marketers are looking to connect your smartphone, tablet and computer Internet behavior... (more)
Rate survey: Average card APR rises to 15 percent --June 24, 2015: Average APR on new card offers inched up this week for the first time in over a month, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Frequent flier programs, airline rewards
Rate survey: Average card rates hold steady at 15 percent --July 1, 2015: Interest rates on new credit card offers held still this week, according to the CreditCards.com Weekly Credit Card Rate Report... (more)
What else can I buy to boost my reward points? --There are ways to increase your rewards earnings by engaging in what's called "manufactured spending." But the time-consuming pursuit is not for everyone... (more)
Rate survey: Average card APR rises to 15 percent --June 24, 2015: Average APR on new card offers inched up this week for the first time in over a month, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Will paying my utility bill on credit earn me points? --If you pay off your credit card balance in full every month, it makes sense to put as many expenses as you can on your card -- provided you can do so without incurring fees... (more)
Average card rates remain at 14.99 percent for fifth week --June 17, 2015: Interest rates on new credit card offers remained cemented in place Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Business credit cards
Rate survey: Average card rates hold steady at 15 percent --July 1, 2015: Interest rates on new credit card offers held still this week, according to the CreditCards.com Weekly Credit Card Rate Report... (more)
Rate survey: Average card APR rises to 15 percent --June 24, 2015: Average APR on new card offers inched up this week for the first time in over a month, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Cash back rewards scarce for business owner with bad credit --Bad personal credit? Rewards may be out of reach until you raise your score, even if your business itself has good credit... (more)
Average card rates remain at 14.99 percent for fifth week --June 17, 2015: Interest rates on new credit card offers remained cemented in place Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Almost all business cards require personal guarantee --If no one in your organization wants to guarantee a business card, you'll probably need to look at other options such as reimbursing expenses on personal cards and establishing trade credit with suppliers... (more)
Student credit cards, young credit
Rate survey: Average card rates hold steady at 15 percent --July 1, 2015: Interest rates on new credit card offers held still this week, according to the CreditCards.com Weekly Credit Card Rate Report... (more)
When does interest begin accruing on charges? --For those new to credit, it helps to know how interest can add to your balance ... (more)
Cross-device tracking raises privacy concerns --With cross-device tracking, marketers are looking to connect your smartphone, tablet and computer Internet behavior... (more)
Rate survey: Average card APR rises to 15 percent --June 24, 2015: Average APR on new card offers inched up this week for the first time in over a month, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Score impact of maxing out 3rd line of credit --Maxing out credit cards is never a good idea, but as long as you pay them off quickly, your score will rebound... (more)
Bad credit, credit repair
Rate survey: Average card rates hold steady at 15 percent --July 1, 2015: Interest rates on new credit card offers held still this week, according to the CreditCards.com Weekly Credit Card Rate Report... (more)
Volume of credit cards finally back up near pre-recession levels --As of the fourth quarter of 2014, the total number of open credit card accounts, and the volume of new cards being issued, are both nearing the 2008 levels ... (more)
Video: Protecting your child from ID theft --A child's identity is much more valuable to thieves than an adult's because the theft will often go undetected for years. Here are steps you can take to protect your child from identity theft... (more)
Don't fall for Internet loan scam out of desperation --After bankruptcy, your choices for personal loans will be limited, but don't make a bad one... (more)
Getting US loan after living abroad not easy --Without a current credit history and score, and after living abroad for years, getting bank approval for a U.S. loan is tricky... (more)
Spotlight: People and their plastic
Money advice from famous TV dads --Sheriff Andy Taylor, Ben Cartwright, Louis Huang and even Homer Simpson can give financial lessons... (more)
How 'microresolutions' can transform your finances --'Small Move, Big Change' author Caroline Arnold was tired of failing her New Year's resolutions, so she took a bold step to break them down in achievable actions ... (more)
Q&A 'Future Crimes' author Marc Goodman --Technology is rapidly evolving and so is cybercrime. Marc Goodman, author of "Future Crimes: Everything Is Connected, Everyone Is Vulnerable, and What We Can Do About It," explains... (more)
Applying repeatedly for credit after being turned down makes it worse --If your response to being turned down for credit has been to apply over and over again, stop. You're making it worse. Before you do anything else, find out why... (more)
Q&A with Ron Lieber: How to raise unspoiled kids --New York Times personal finance columnist and "The Opposite of Spoiled" author Ron Lieber touts the benefits of teaching financial decision-making at an early age... (more)
Merchant accounts
Lowering merchant fees on large sales --If your business sells big-ticket items, merchant fees on credit card transactions can add up. That doesn't necessarily mean you should limit your card acceptance, though... (more)
8 steps to fighting chargeback fraud --Credit card chargeback fraud is an ongoing problem for small businesses, which can have dire consequences. Though it's hard to detect, there are ways to fight back... (more)
7 tips for using online alternative business lenders --When banks turn them down for loans, small businesses are increasingly turning to online "alternative" lenders. The loans they provide can be a lifeline, but higher interest rates mean you should proceed with caution ... (more)
Card acceptance fees too high? Shop for a new merchant processor --Franchisees paying high credit card acceptance fees may lower them by shopping for a new merchant processor or promoting customers to pay by other means... (more)
Merchants can usually add credit card fees --Merchants in most states are allowed to tack on a surcharge or convenience fee when you use a credit card. But some states still ban surcharges and it's not always good business practice... (more)
Emerging payment systems: Prepaid, debit, gift cards
For uncontrolled spenders, cash-only may be the right lifestyle --Despite the benefits of credit cards -- convenience, purchase guarantees and rewards -- plastic is simply too convenient for some consumers to handle. If you're one of them it may be time to switch to a cash-only lifestyle... (more)
6 ways to safeguard cards when shopping electronically --Shopping online or via an app is convenient, but it can put your credit or debit card at risk. Here are ways to stay safe... (more)
Payment method statistics --Cash is fading, plastic rules and alternative payment methods are on the rise, according to the latest data on how we pay for things... (more)
How to dispute a debit card purchase --The protections aren't the same as credit cards, but you may not be completely out of luck... (more)
Video: Tips for using mobile gift cards --Mobile gift cards can slim down your wallet while keeping your gift cards organized and safely password protected. They make great last-minute gifts, too... (more)
Credit account management
Comparing pro sports leagues' credit cards --From Major League Baseball to the UFC, credit card issuers are offering something for every sports fan. It's fine to root, root, root for the home team, but if they don't offer a credit card with decent terms, it's a shame... (more)
When does interest begin accruing on charges? --For those new to credit, it helps to know how interest can add to your balance ... (more)
Video: Protecting your child from ID theft --A child's identity is much more valuable to thieves than an adult's because the theft will often go undetected for years. Here are steps you can take to protect your child from identity theft... (more)
Don't fall for Internet loan scam out of desperation --After bankruptcy, your choices for personal loans will be limited, but don't make a bad one... (more)
Same-sex marriages mean joint debt issues --Millions of Americans now will confront the financial intricacies of marriage, including what happens to jointly owned property, debt... (more)
Research, statistics
Rate survey: Average card rates hold steady at 15 percent --July 1, 2015: Interest rates on new credit card offers held still this week, according to the CreditCards.com Weekly Credit Card Rate Report... (more)
Volume of credit cards finally back up near pre-recession levels --As of the fourth quarter of 2014, the total number of open credit card accounts, and the volume of new cards being issued, are both nearing the 2008 levels ... (more)
Consumer bureau expands complaint data --Shoppers for financial services have a new trove of material to research, now that the U.S. consumer watchdog is publishing consumers' specific gripes about companies... (more)
Poll: Americans sleeping better as economy recovers --A scientific survey commissioned by CreditCards.com finds money worries don't keep us awake as often, but retirement and education still make for sleepless nights... (more)
Rate survey: Average card APR rises to 15 percent --June 24, 2015: Average APR on new card offers inched up this week for the first time in over a month, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Innovations, features, new products
Comparing pro sports leagues' credit cards --From Major League Baseball to the UFC, credit card issuers are offering something for every sports fan. It's fine to root, root, root for the home team, but if they don't offer a credit card with decent terms, it's a shame... (more)
What else can I buy to boost my reward points? --There are ways to increase your rewards earnings by engaging in what's called "manufactured spending." But the time-consuming pursuit is not for everyone... (more)
Don't fall for Internet loan scam out of desperation --After bankruptcy, your choices for personal loans will be limited, but don't make a bad one... (more)
Rebuilding credit? Semisecured card may help --A semisecured card offers better terms than a secured card and can be a good stepping stone on the road to a conventional credit card... (more)
6 ways to safeguard cards when shopping electronically --Shopping online or via an app is convenient, but it can put your credit or debit card at risk. Here are ways to stay safe... (more)
Shopping
Comparing pro sports leagues' credit cards --From Major League Baseball to the UFC, credit card issuers are offering something for every sports fan. It's fine to root, root, root for the home team, but if they don't offer a credit card with decent terms, it's a shame... (more)
What else can I buy to boost my reward points? --There are ways to increase your rewards earnings by engaging in what's called "manufactured spending." But the time-consuming pursuit is not for everyone... (more)
Cross-device tracking raises privacy concerns --With cross-device tracking, marketers are looking to connect your smartphone, tablet and computer Internet behavior... (more)
6 ways to safeguard cards when shopping electronically --Shopping online or via an app is convenient, but it can put your credit or debit card at risk. Here are ways to stay safe... (more)
Chasing rewards points backfires when debt piles up --If a family member who's an authorized user racks up debt on a rewards card, there may be other, less-traditional options for getting it paid back... (more)
Legal, regulatory, privacy issues
$7 million in refunds coming for card add-on products --Consumer protection bureau tells credit monitoring vendors to reimburse customers who paid for services they didn't get... (more)
Video: Protecting your child from ID theft --A child's identity is much more valuable to thieves than an adult's because the theft will often go undetected for years. Here are steps you can take to protect your child from identity theft... (more)
Lowering merchant fees on large sales --If your business sells big-ticket items, merchant fees on credit card transactions can add up. That doesn't necessarily mean you should limit your card acceptance, though... (more)
Don't fall for Internet loan scam out of desperation --After bankruptcy, your choices for personal loans will be limited, but don't make a bad one... (more)
Same-sex marriages mean joint debt issues --Millions of Americans now will confront the financial intricacies of marriage, including what happens to jointly owned property, debt... (more)
Expert Q&A
When does interest begin accruing on charges? --For those new to credit, it helps to know how interest can add to your balance ... (more)
What else can I buy to boost my reward points? --There are ways to increase your rewards earnings by engaging in what's called "manufactured spending." But the time-consuming pursuit is not for everyone... (more)
Lowering merchant fees on large sales --If your business sells big-ticket items, merchant fees on credit card transactions can add up. That doesn't necessarily mean you should limit your card acceptance, though... (more)
Don't fall for Internet loan scam out of desperation --After bankruptcy, your choices for personal loans will be limited, but don't make a bad one... (more)
Getting US loan after living abroad not easy --Without a current credit history and score, and after living abroad for years, getting bank approval for a U.S. loan is tricky... (more)
Credit scores, credit reports
When does interest begin accruing on charges? --For those new to credit, it helps to know how interest can add to your balance ... (more)
Video: Protecting your child from ID theft --A child's identity is much more valuable to thieves than an adult's because the theft will often go undetected for years. Here are steps you can take to protect your child from identity theft... (more)
Same-sex marriages mean joint debt issues --Millions of Americans now will confront the financial intricacies of marriage, including what happens to jointly owned property, debt... (more)
Getting US loan after living abroad not easy --Without a current credit history and score, and after living abroad for years, getting bank approval for a U.S. loan is tricky... (more)
3 quick, easy, inexpensive credit score rebuilding tools --Paying off all your debt at once will help, but it won't rebuild a slumping credit score by itself. To speed the process, add some new, positive loan payment history. Here's how... (more)
All credit card news
$7 million in refunds coming for card add-on products --Consumer protection bureau tells credit monitoring vendors to reimburse customers who paid for services they didn't get... (more)
Rate survey: Average card rates hold steady at 15 percent --July 1, 2015: Interest rates on new credit card offers held still this week, according to the CreditCards.com Weekly Credit Card Rate Report... (more)
Comparing pro sports leagues' credit cards --From Major League Baseball to the UFC, credit card issuers are offering something for every sports fan. It's fine to root, root, root for the home team, but if they don't offer a credit card with decent terms, it's a shame... (more)
When does interest begin accruing on charges? --For those new to credit, it helps to know how interest can add to your balance ... (more)
Video: Protecting your child from ID theft --A child's identity is much more valuable to thieves than an adult's because the theft will often go undetected for years. Here are steps you can take to protect your child from identity theft... (more)
To Her Credit
Getting US loan after living abroad not easy --Without a current credit history and score, and after living abroad for years, getting bank approval for a U.S. loan is tricky... (more)
Don't ignore divorce decree debt mandate --If the court says you're liable for a debt, even if the bank says you're not, pay up or expect to face a contempt charge... (more)
Chasing rewards points backfires when debt piles up --If a family member who's an authorized user racks up debt on a rewards card, there may be other, less-traditional options for getting it paid back... (more)
Mom with dementia sued for card debt --By the time a credit card issuer files a lawsuit for unpaid debt, it's already late in the debt-collection process, but you still have options... (more)
Dissolving joint debt post-divorce dicey --Dragging out joint debt obligations after divorce opens door for all sorts of problems... (more)
Opening Credits
When does interest begin accruing on charges? --For those new to credit, it helps to know how interest can add to your balance ... (more)
Score impact of maxing out 3rd line of credit --Maxing out credit cards is never a good idea, but as long as you pay them off quickly, your score will rebound... (more)
Credit score impact of multiple balance transfers --Moving debt from one balance transfer card to another can damage your credit... (more)
Don't be duped into signing up for a store credit card --Protect your credit by refraining from spontaneous store sign-ups... (more)
I changed my mind: Can I cancel new card, avoid annual fee? --Know all card fees before you apply or else you may be stuck with a card you don't want... (more)
Cashing In Q&A columns
What else can I buy to boost my reward points? --There are ways to increase your rewards earnings by engaging in what's called "manufactured spending." But the time-consuming pursuit is not for everyone... (more)
Will paying my utility bill on credit earn me points? --If you pay off your credit card balance in full every month, it makes sense to put as many expenses as you can on your card -- provided you can do so without incurring fees... (more)
Finding a credit card with concierge service --You don't often hear about concierge services and other benefits, but they are common among reward cards... (more)
What's the best reward card for a single big purchase? --Want to maximize rewards returns on an upcoming big purchase? Several cards offer 2 percent cash back, but sign-up bonuses on travel cards are even more lucrative ... (more)
Fraud risk minimal on canceled RFID chip card --RFID chips in credit cards continue to transmit information after you've canceled the card. The information isn't of much use to a criminal but it still doesn't hurt to destroy the chip... (more)
Credit card videos
Video: Tips for using mobile gift cards --Mobile gift cards can slim down your wallet while keeping your gift cards organized and safely password protected. They make great last-minute gifts, too... (more)
Video: Protect your privacy while using mobile shopping apps --If you use shopping apps on your smartphone, you may be sacrificing your privacy in ways you aren't even aware of. Here are four steps you can take to protect yourself... (more)
Video: Answers to your most-common EMV questions --As credit cards with secure chips begin to roll out across the U.S., we address some of the most frequently asked questions about them in a video interview with Smart Card Alliance head Randy Vanderhoof... (more)
EMV FAQ 2: Do I need a PIN for my EMV credit card? --New credit cards containing secure computer chips are being rolled out in the U.S. These EMV cards are sometimes called chip-and-PIN cards, which is confusing because you probably won't actually use a PIN like they do in other countries... (more)
EMV FAQ 3: Will EMV credit cards protect my online purchases? --New credit cards containing so-called EMV chips offer enhanced security for in-store purchases but not online purchases. In our ongoing series of frequently asked questions about EMV cards, Randy Vanderhoof, head of the Smart Card Alliance, explains why... (more)
Infographics
Volume of credit cards finally back up near pre-recession levels --As of the fourth quarter of 2014, the total number of open credit card accounts, and the volume of new cards being issued, are both nearing the 2008 levels ... (more)
Survey: Employees less likely to borrow on cards for necessities --A fifth of employees have to borrow on their credit cards to pay for monthly necessities, a study by PwC shows, but overall, workers' financial wellness is improving... (more)
NY Fed: Debt in collection shrinks --The percentage of accounts in collections and the average size of those debts both shrank, according to new data from the New York Fed.... (more)
What ID thieves do with the financial data they steal --High-tech hackers get all the headlines, but an analysis of identity theft claims data by Travelers show the most common way stolen data gets used is a low-tech one: Thieves snatch a card, then go out and use it ... (more)
ABA study: Card delinquency stays low --Despite an uptick at the end of 2014, delinquencies for credit cards issued by banks remained well below the 15-year average, American Bankers Association research shows... (more)
Breaking news
$7 million in refunds coming for card add-on products --Consumer protection bureau tells credit monitoring vendors to reimburse customers who paid for services they didn't get... (more)
Volume of credit cards finally back up near pre-recession levels --As of the fourth quarter of 2014, the total number of open credit card accounts, and the volume of new cards being issued, are both nearing the 2008 levels ... (more)
Same-sex marriages mean joint debt issues --Millions of Americans now will confront the financial intricacies of marriage, including what happens to jointly owned property, debt... (more)
Consumer bureau expands complaint data --Shoppers for financial services have a new trove of material to research, now that the U.S. consumer watchdog is publishing consumers' specific gripes about companies... (more)
Poll: Americans sleeping better as economy recovers --A scientific survey commissioned by CreditCards.com finds money worries don't keep us awake as often, but retirement and education still make for sleepless nights... (more)
Your Business Credit
Lowering merchant fees on large sales --If your business sells big-ticket items, merchant fees on credit card transactions can add up. That doesn't necessarily mean you should limit your card acceptance, though... (more)
Cash back rewards scarce for business owner with bad credit --Bad personal credit? Rewards may be out of reach until you raise your score, even if your business itself has good credit... (more)
Almost all business cards require personal guarantee --If no one in your organization wants to guarantee a business card, you'll probably need to look at other options such as reimbursing expenses on personal cards and establishing trade credit with suppliers... (more)
Remorseful fraudster must find way to repay business partner --A small business owner who defrauded his partner seeks solutions from the creditor, but most must find a way to pay the debt -- or face legal repercussions ... (more)
Add your business as authorized user on personal card? Not likely --Adding your business's Employer Identification Number to your personal card would be a quick way to build business credit -- if it were possible. Unfortunately, there are usually no such shortcuts... (more)
Speaking of Credit
3 quick, easy, inexpensive credit score rebuilding tools --Paying off all your debt at once will help, but it won't rebuild a slumping credit score by itself. To speed the process, add some new, positive loan payment history. Here's how... (more)
The facts behind debt reduction methods --How your credit score is affected by a debt reduction plan depends on what type of action you are taking. It helps to know the facts before choosing a method... (more)
Credit score still damaged after report error fixed --A "rapid rescore" won't fix a credit issue, but digging deeper into the credit score issue will help... (more)
How credit mix is calculated in FICO scores --Having a variety of credit - a good "credit mix" - is the last and often overlooked component to the FICO score formula, but is still vital to a good score ... (more)
To boost score, let credit utilization guide your debt payoff --For the best credit score boost, neither the debt snowball nor the 'highest rate' method is best. Instead, let credit utilization guide your payment allocation... (more)
Credit Wise
Don't fall for Internet loan scam out of desperation --After bankruptcy, your choices for personal loans will be limited, but don't make a bad one... (more)
Notify card issuer immediately if accountholder dies --Pick up the phone and let the credit card company know; it prevents new charges and identity theft... (more)
Your 3 options when consolidating card debt --A balance transfer, bank loan and debt management plan can all work to consolidate big credit card debts, but only one will be right for you ... (more)
Your daughter ran up the debt, she should pay it --As a student with no income, your daughter shouldn't have been issued a card. But she did, and she used it, so she should deal with it... (more)
Fixing damaged credit? First, create a budget --In fixing damaged credit, regular payments are a must, and you have to get a budget before you can know what you can afford to pay... (more)