Before the Credit CARD Act went into effect, you might have noticed credit card rates making a staggering hike upwards. The average APR for standard credit card offers rose to 13.51%, making this number the highest average Annual Percentage Rate (APR) in the past five years. Credit card companies still have a few cards to play in wake of the reform, but one of the hardest will be raising rates on credit cards. We’ve list the best current credit card rates in regards to the CARD Act.

Capitol One No Hassel Cash Rewards. You’ll get 0% APR for a full year on both purchase and balance transfers. Although this has a variable rate that changes to 14.9%, it’s important to realize most bank’s fine print allows them to change from a fixed to variable rate at anytime.

Citi Platinum Select MasterCard. You’ll also receive 0% APR on purchases and transfers for a full year, along with no annual fee and zero liability on unauthorized purchases. The card totes a variable rate as low as 11.99%.

Discover More Card. This card can also offer 0% on balance transfers for a year, but brings better 5% cash back bonuses on gas, travel and dining and 1% on any other type of purchase. The APR is offered as low as 11.99% as well.

Visa Platinum Simmons First. If you have excellent credit, go for this Visa that offers a 7.25% variable rate and no balance transfer fees. There is also no annual fee and travel insurance at no extra cost.