Compare Bank & Credit Union Rates
Best credit card rates in Fresno, CA
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–14 of 14 in Fresno, CA · median 13.50% APR
- Central Valley Firefighters Credit UnionCVFCU Visa® Platinum Credit Card · No annual fee
Credit union · 1 branch
9.99%APRas low asTerms
Fixed 9.99% APR. Credit limits up to $20,000. Same rate on balance transfers, cash advances, and purchases. All loans subject to credit approval; creditworthiness determines interest rate.
Credit card score 82 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.75%APRas low as · up to 15.75%
10.75% APR, up to 15.75%
Terms
Variable APR based on creditworthiness at the time of application, and will vary with the market based on the Prime Rate. Same low rate on purchases and cash advances.
Credit card score 80 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 12.99%
10.99% APR, up to 12.99%
Terms
Rate based on creditworthiness. Rate as low as 10.99% APR.
Credit card score 77 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Rates starting at; Qualifying conditions apply
Credit card score 77 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 18.00%
12.49% APR, up to 18.00%
Terms
Variable standard APR for purchases, balance transfers, and cash advances. Determined by credit history. Card features 1% cash back on net purchases.
Credit card score 70 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
Low, fixed-rate of 12.9% APR (or 12.90% APR). 25-day grace period for purchases. No annual fee. Average daily balance finance charge method.
Credit card score 67 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 16.00%
13.50% APR, up to 16.00%
Terms
Depending on credit worthiness.
Credit card score 65 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 22.50%
13.50% APR, up to 22.50%
Terms
Thereafter, variable APR ranges from 13.50% to 22.50% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026.
Credit card score 65 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - UMB BankUMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card · No annual fee
Bank · 1 branch
14.49%APRas low asTerms
After the first 12 months, 14.49% variable APR based on prime rate.
Credit card score 63 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - First California Federal Credit UnionVisa® Classic Credit Card · No annual fee
Credit union · 1 branch
15.49%APRas low asCredit card score 62 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as · up to 28.49%
17.74% APR, up to 28.49%
Terms
17.74%, 24.24% or 28.49% variable APR thereafter.
Credit card score 60 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 18.49%APRas low as · up to 27.49%
18.49% APR, up to 27.49%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 60 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 18.49%APRas low as · up to 27.99%
18.49% APR, up to 27.99%
Terms
Variable APR
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 18.99%APRas low as · up to 26.99%
18.99% APR, up to 26.99%
Terms
Variable APR for purchases and balance transfers is 18.99% - 26.99% based on creditworthiness. $0 annual fee with active Costco membership.
Credit card score 60 · 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 Fresno, CA
14 banks and credit unions · checked Oct 16–22
- Typical
- 13.50%
- Top 10% up to
- 10.82%
- Banks, typical
- 18.12%
- Credit unions, typical
- 11.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Fresno, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Self-Help Federal Credit UnionCredit union · 1 branch
- CitiBank · 8 branches
- UMB BankBank · 2 branches