Fixed Rate Credit Cards

credit-cards-smallA fixed rate credit card is a card that has an interest rate that will not increase or decrease when Federal interest rates change. This is in contrast to variable rate credit cards, which may change their interest rates in step with interest rate changes in the wider marketplace. Fixed rate does not mean that your credit card rate can never change; it simply means that it won’t change automatically when Federal interest rates go up or down. Fixed rate credit cards are appealing to people who don’t want to risk having their card’s interest rate go up after they’ve already built up a credit card balance.


There are not a lot of fixed rate credit cards on the market today, but we have compiled a good list of cards you might consider if a fixed rate is important to you: