The average credit card interest rate is 21.10 percent. Lenders left APRs on most new card offers unchanged this week, according to CreditCards.com’s latest Weekly Rate Report. As a result, the national average APR for brand-new credit cards held steady Wednesday after rising unexpectedly last week to its highest point on record. Consumers who compare credit card offers can expect APRs on most new cards to still be several points higher than they were last year. Among the 100 online card offers tracked weekly by CreditCards.com, for example: More than half now start APRs somewhere between 20.24 percent and 31.99 percent. Over a third — 35 out of 100 offers — start APRs above 21 percent. An overwhelming majority — 87 out of 100 offers — start APRs at 17.99 percent or higher. A year ago, by contrast, minimum APRs above 20 percent were rare — especially on cards designed for borrowers with good to excellent credit.…