Compare Bank & Credit Union Rates
Best credit card rates in California
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–15 of 187 in California · median 11.50% APR
- 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 - 6.95%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate is as low as advertised for qualified borrowers based on creditworthiness and underwriting factors; includes a 1.00% discount when eligible products and services are added.
Credit card score 97 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - American Broadcast Employees FCUVISA Rewards / VISA Platinum · No annual fee
Credit union · 3 branches
6.99%APRas low asTerms
Special Balance Transfer Offer: 6.99% APR for the life of the transfer. No balance transfer fees. Restrictions apply.
Credit card score 96 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 7.45%APRas low as · up to 17.99%
7.45% APR, up to 17.99%
Terms
Regular variable APR based on creditworthiness. Prime Rate is 7.00% as of 10/01/2026.
Credit card score 95 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as · up to 17.90%
7.90% APR, up to 17.90%
Credit card score 93 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - Sheet Metal Workers Local 104 Federal Credit UnionVisa® Platinum · No annual fee
Credit union · 1 branch
7.90%APRas low asTerms
As Low as 7.90% APR. No Annual Fee, No Balance Transfer Fee, No Cash Advance Fee, No Over Credit Limit Fee.
Credit card score 93 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 7.98%APRas low as
Terms
APR As low as 7.98%. Terms up to $25,000 credit limit. No Annual Fee. Preferred rate is with a FICO score of 720 or above. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. No additional discounts may be applied.
Credit card score 93 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as · up to 16.99%
7.99% APR, up to 16.99%
Terms
Actual APR is based on borrower's creditworthiness. Subject to approval. Membership required with at least $5.00 in Membership Savings.
Credit card score 93 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 8.48%APRas low as
Terms
Rate shown is our lowest rate available for purchases, balance transfers, and cash advances. All loans and loan rates are considered on an individual basis and subject to credit approval. Extended credit lines up to $20,000.
Credit card score 89 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 8.49%APRas low as · up to 19.90%
8.49% APR, up to 19.90%
Terms
Rate depends on creditworthiness. Credit limits up to $30,000. No interest accrued on purchases if paid in full within 25 days of statement date.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Terms
Rate applies to purchases, balance transfers, and cash advances. Requires credit qualification. Minimum $5,000 credit limit for qualified applicants.
Credit card score 89 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Non-variable APR for purchases, balance transfers, and cash advances. Minimum interest charge is $1.00 if charged interest.
Credit card score 89 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 14.90%
8.90% APR, up to 14.90%
Terms
APR for Purchases. Based on creditworthiness. Credit limits from $500.00 to $15,000.00. No balance transfer fee. 25-day grace period on retail purchases.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed APR. Loan limit $500 to $15,000. Revolving term.
Credit card score 89 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 17.90%
8.90% APR, up to 17.90%
Terms
Non-variable Annual Percentage Rate for Purchases based on credit worthiness.
Credit card score 89 · Carrot Score 89
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 in California
187 banks and credit unions · checked Oct 16–22
- Typical
- 11.50%
- Top 10% up to
- 8.95%
- Banks, typical
- 15.46%
- Credit unions, typical
- 10.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches