Variable Rate credit cards offer an APR that has the ability to go up and down depending on the prime interest rate and other factors. This gives you and your credit card company the option of lowering your rate - or raising it if you miss payments, etc. Variable rate credit cards often have lower APRs than their non-secured, fixed rate counterparts, and are available to a wider range of consumers as well. Check out the numerous variable rate credit cards available through CardOffers.com - right here.