Compare Bank & Credit Union Rates
Best credit card rates, lowest APRs
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
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Top credit card rates
Showing 1–15 of 2,143 nationwide · median 10.90% APR
- 5.90%APRas low as
Terms
Interest rates starting as low as 5.9% APR. All cards have no annual fee, 25-day grace period on purchases. Relationship Discount reduces rate by .15%.
Credit card score 99 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 5.90%APRas low as · up to 18.00%
5.90% APR, up to 18.00%
Terms
Rate based on creditworthiness and term of loan.
Credit card score 99 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 5.99%APRas low as
Terms
Installment Payments Rate Base (Buy Now Pay Later). Available after 12 months for 6 to 18 month terms on qualifying purchases greater than $150 from qualifying merchants.
Credit card score 99 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 5.99%APRas low as
Credit card score 99 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 6.00%APRas low as · up to 24.00%
6.00% APR, up to 24.00%
Terms
Variable APR ranging from 6% to 24% based on credit score and financial profile. No annual fee, no balance transfer fee, no over-limit fee.
Credit card score 99 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - 6.00%APRas low as
Terms
As low as 6.00% APR*.
Credit card score 99 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 6.00%APRas low as
Terms
Army/Military tier. Limit: --. Rate based on creditworthiness and term of loan.
Credit card score 99 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 6.00%APRas low as
Credit card score 99 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 6.49%APRas low as · up to 11.90%
6.49% APR, up to 11.90%
Terms
APR varies from 6.49% to 11.90% (or up to 11.99% as noted in general loan disclosures). Minimum credit line of $500.00. Annual fee is none.
Credit card score 99 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 6.75%APRas low as · up to 18.00%
6.75% APR, up to 18.00%
Terms
APR is non-variable and based on creditworthiness when you open your account. No annual fee. Earns 1 point per $1 spent with uChoose Rewards.
Credit card score 99 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 6.87%APRas low as
Credit card score 99 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 6.90%APRas low as · up to 18.00%
6.90% APR, up to 18.00%
Terms
APR varies depending on Borrower’s FICO Score, vehicle year model, & term of loan.
Credit card score 97 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 6.90%APRas low as
Credit card score 97 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 6.90%APRas low as · up to 18.00%
6.90% APR, up to 18.00%
Terms
Rates determined by credit history/creditworthiness. No annual fee.
Credit card score 97 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 6.90%APRas low as · up to 14.50%
6.90% APR, up to 14.50%
Terms
Rate applies to purchases. Credit line $5,000.00 to $25,000.00.
Credit card score 97 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches
Each institution’s lowest ongoing purchase APR on a regular card (not an introductory or balance transfer rate): usually its best-credit rate. A rate that needs another account or similar says “with conditions”; More filters can leave those, or cards with an annual fee, out. Secured, business and credit-builder cards are left out. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What credit cards charge nationwide
2,143 banks and credit unions · checked Oct 15–22
- Typical
- 10.90%
- Top 10% up to
- 8.90%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank