Bank · FDIC insured
ICBC (USA) N.A Credit Card Rates
ICBC (USA) N.A credit card rates start at 16.49% APR. Rates checked October 16, 2026.
How ICBC (USA) N.A’s credit card rates compare
Compared with banks and credit unions in California, where ICBC (USA) N.A has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
ICBC (USA) N.A
– –
- Up to
- —
No ongoing APR published
Lowest rate
F&A Credit Union
6.90%APR
- Up to
- 14.50% APR
2nd-lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
ICBC Preferred UnionPay Gold Card
Existing ICBC USA customers only (or open a deposit account to be eligible). Only U.S. Citizens or Permanent Residents are eligible to apply for UnionPay cards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.49%–22.49% | None | Purchase APR 16.49%-22.49% variable based on Prime Rate and creditworthiness. |
| Ongoing | 28.49% | None | Cash advance APR 28.49% variable based on Prime Rate. Cash Advances are subject to a transaction fee of either $10 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- icbc-us.com/en/column/1438058492123824159.html · captured Oct 5, 2026
ICBC Preferred Visa Card
Existing ICBC USA customers only (or open a deposit account to be eligible).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.49%–22.49% | None | Purchase APR 16.49%-22.49% variable based on Prime Rate and creditworthiness. |
| Ongoing | 28.49% | None | Cash advance APR 28.49% variable based on Prime Rate. Cash Advances are subject to a transaction fee of either $10 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- icbc-us.com/en/column/1438058492123824159.html · captured Oct 5, 2026
ICBC Premier UnionPay Platinum Card
Existing ICBC USA customers only (or open a deposit account to be eligible). Only U.S. Citizens or Permanent Residents are eligible to apply for UnionPay cards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 16.49%–22.49% | $85 | $0 intro annual membership fee for the first year, after that $85. Purchase APR 16.49%-22.49% variable based on Prime Rate and creditworthiness. |
| Ongoing | 28.49% | $85 | Cash advance APR 28.49% variable based on Prime Rate. Cash Advances are subject to a transaction fee of either $10 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- icbc-us.com/en/column/1438058492123824159.html · captured Oct 5, 2026
ICBC Premier Visa Signature Card
Existing ICBC USA customers only (or open a deposit account to be eligible).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 16.49%–22.49% | $85 | $0 intro annual membership fee for the first year, after that $85. Purchase APR 16.49%-22.49% variable based on Prime Rate and creditworthiness. |
| Ongoing | 28.49% | $85 | Cash advance APR 28.49% variable based on Prime Rate. Cash Advances are subject to a transaction fee of either $10 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- icbc-us.com/en/column/1438058492123824159.html · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.