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 61–75 of 187 in California · median 11.50% APR
- 9.99%APRas low as
Terms
Variable APR of Prime + 2.99%, currently 9.99%. Take advantage of a balance transfer offer. No balance transfer fee during the first six months, then $10 or 1% whichever is higher.
Credit card score 73 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as
Terms
Low variable rate.
Credit card score 81 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; tied to the U.S. Prime Rate.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - Long Beach City Employees Federal Credit UnionSimple Credit Card · No annual fee
Credit union · 1 branch
10.25%APRas low as · up to 18.00%10.25% APR, up to 18.00%
Terms
Regular purchase APR is variable (10.25% to 18.00%) and subject to credit approval based on underwriting factors.
Credit card score 81 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 10.25%APRas low as · up to 17.45%
10.25% APR, up to 17.45%
Terms
Variable APR as of 04/07/2026. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on creditworthiness. Applies to Purchases. Amount $300 - $50,000. (Table row lists 02/26/2026 while rates header and footnote 1 state effective 04/07/2026).
Credit card score 81 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 10.40%APRas low as · up to 16.40%
10.40% APR, up to 16.40%
Terms
Variable APR for purchases, balance transfers, and cash advances based on creditworthiness.
Credit card score 81 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 10.49%APRas low as · up to 18.00%
10.49% APR, up to 18.00%
Terms
Variable APR based on Prime Rate (10.49% to 18.00%) for purchases, balance transfers, and cash advances depending on creditworthiness. Maximum credit limit up to $50,000. No annual fee.
Credit card score 81 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 10.49%APRas low as · up to 18.24%
10.49% APR, up to 18.24%
Terms
Variable APR based on the Prime Rate. Rate determined by creditworthiness and individual qualifications. Applies to purchases, balance transfers, and cash advances. 25-day grace period on purchases.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - American Airlines Federal Credit UnionVisa Platinum Low Rate · No annual fee
Credit union · 3 branches
10.50%APRas low as · up to 18.00%10.50% APR, up to 18.00%
Terms
Variable APR for purchases and cash advances based on creditworthiness and the Prime Rate.
Credit card score 81 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Terms
Rates based on a FICO score 720 or above, good payment history with other creditors, and DTI under 55%.
Credit card score 81 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 10.65%APRas low as · up to 17.65%
10.65% APR, up to 17.65%
Terms
APR is based on creditworthiness at the time account is established and will vary with the market based on the Prime Rate. Estimated payment 3% of balance. Maximum loan amount $50,000.
Credit card score 81 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 10.65%APRas low as · up to 20.40%
10.65% APR, up to 20.40%
Terms
Rates schedule APR for Purchases: 10.65% (table) / 10.40% to 20.40% (caption), when you open your account, based on creditworthiness. Variable with market based on Prime Rate. $0 annual fee.
Credit card score 81 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - First Tech Federal Credit UnionChoice Rewards World Mastercard · No annual fee
Credit union · 8 branches
10.74%APRas low as · up to 18.00%10.74% APR, up to 18.00%
Terms
Purchase APR is 11.75% to 18.00% when you open your account, based on creditworthiness. Variable rate adjusts monthly by adding a margin of 3.74% to 18.00% to Prime Rate. Maximum APR will not exceed 18.00%. No annual fee. Earn 20,000 bonus points when you spend $3,000 in the first 60 days.
Credit card score 80 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 10.75%APRas low as
Terms
Credit lines up to $25,000
Credit card score 80 · Carrot Score 93
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
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