Some of the Best Credit Card Rates are now available. You have a wide range to choose from.

The Best credit card rates will most likely start at 0% apr but the length of time this rate lasts will vary from 6 months to one year. This is usually the standard as the credit card company will start wanting to make money off you as soon as possible. 

These credit card rates will mainly be for balance transfers of outstanding amounts you may already have on other credit cards, but a few of the lenders are now offering 0% apr on all purchases you make with their credit card within the first six months. 

The best rates are mostly variable and can be anything from 10.9% apr up to 22.9% apr. 

The higher apr credit card rates are normally on cards issued to people with poor credit history or are self-employed with no proof of income. 

Some of the best rates on credit cards are slightly higher than others but offer the card holder a lot more benefits like air miles, discounts on certain goods or free travel insurance, so you need to be aware of these free offers as they normally mean you will actually be paying for them in a higher interest rate later on, so ask yourself do you really need them. 

Credit card rates, like the best rates found in personal loans, mortgages etc are dependent upon the bank base rates and these are set by the Bank of England each month, so if the base rate goes up not only will all of your variable loans, mortgages etc rise but even credit cards with the lowest rates will also go up. 

Credit card rates are very important, so make sure you get the credit card that best suits your needs and pocket.