You now can shop for credit cards online and find them at competitive interest rates.
Variable vs. Fixed Interest Rates
Variable rate cards are tied to the prime lending rate, attached to an additional interest. Each time the Federal Reserve raises interest rates, your bank will do so. If the prime lending rate is low, variable rate cards can be very competitive. With fixed rate cards interest rates don't fluctuate.
Corporate Credit Cards
Banks offer corporate cards with lower interest rates than average consumer cards. Your business, personal credit repayment history, your credit history and income will allow you to access one of these cards and they also determine what sort of rate you can get. Interest rates generally are lower as you move from standard to gold to platinum and now titanium cards.