The Weekly Credit Card Rate Report January 25, 2013

The Weekly Credit Card Rate Report January 25, 2013

The Weekly Credit Card Rate Report is based on our Complete Credit Card Index which tracks the advertised rates of 1060 credit cards in the United States. We constantly track the cards in order to identify trends in credit cards interest rates. Our index showed the Annual Percentage Rates for credit cards was 14.32% which was the same as last week.

Here are the averages from the Complete Credit Card Index for the previous ten weeks:

Jan. 18  14.32%
Jan. 10 14.34%
Jan. 3  14.35%
Dec.27 14.35%
Dec. 20  14.32%
Dec. 13 14.32%
Dec. 6 14.31%
Nov. 30 14.30%
Nov. 16 14.29%
Nov. 9 14.29%

The average cash advance rate for this week was 21.72% which was higher than  21.70% last week. The credit cards with the lowest interest rates in the nation this week are:

  1. 5.00% Speedway SuperAmerica Credit Card
  2. 5.15% First Tennessee Platinum Premier Visa
  3. 6.25% Lake Michigan Credit Union Platinum Visa

The credit card rate report is compiled weekly using data from 1060 credit cards which are tracked on the website. The Complete Credit Card index is available at Please note: Rates may occasionally change due to the number of cards being tracked.

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The information contained within this article was accurate as of January 25, 2013. For up-to-date information on any of the terms, cards or offers mentioned above, visit the issuer's website.
Editorial Disclosure is an independent, for-profit web site. participates in the Affiliate Network, and receives compensation from most of the credit card issuers whose offers appear on the site. This compensation helps support our website and enables us to write insightful articles to help you manage your credit card accounts. This compensation, as well as the likelihood of applicants’ credit approval and our own proprietary website guidelines, may impact how and where the cards appear on our site. does not include all credit card companies or every available credit card offer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however credit card offers change frequently. After you click on an offer you will be directed to the credit card issuer’s secure web site where you can review the terms and conditions for your offer.

About John Oldshue

John Oldshue is the creator of He worked for over 15 years in television and won an Emmy award for his reporting. He covers credit card rate issues for