Compare Bank & Credit Union Rates
Best credit card rates in Illinois
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 16–30 of 109 in Illinois · median 10.65% APR
- 8.90%APRas low as
Terms
Finance charges calculated on Average Daily Balance.
Credit card score 89 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 15.90%
8.90% APR, up to 15.90%
Terms
Standard ongoing APR determined based on creditworthiness.
Credit card score 89 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 8.95%APRas low as
Terms
Rates as low as 8.95% APR based on creditworthiness.
Credit card score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 11.50%
8.99% APR, up to 11.50%
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 19.99%
8.99% APR, up to 19.99%
Terms
Same rate for purchases, cash advances, and balance transfers. No fee for balance transfers. Minimum payment $50.00. Rate based on creditworthiness.
Credit card score 88 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - Midwest Coalition of Labor Credit Union (MCL)The MCLCU Classic Visa Credit Card · No annual fee
Credit union · 1 branch
8.99%APRas low as · up to 13.99%8.99% APR, up to 13.99%
Terms
Fixed rate. No balance transfer fee. No cash advance fee. Subject to approval; membership and qualifications apply.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - Northwest Municipal Federal Credit UnionVISA Platinum Credit Card · No annual fee
Credit union · 1 branch
8.99%APRas low as · up to 18.00%8.99% APR, up to 18.00%
Terms
Published rates are based on credit performance and are subject to change without notice. Low fixed rate. No annual fee, no balance transfer fee, no cash advance fee or higher rate for cash advances.
Credit card score 88 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.11%APRas low as
Terms
Table labels 9.11% as Interest Rate with *APR footnote; also stated as 9.11% APR for purchases, balance transfers and cash advances. Minimum payment 2% of balance. No annual fee.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.60%APRas low as
Terms
Fixed rate. Credit limit up to $20,000. 1% cash back on all purchases.
Credit card score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.74%APRas low as
Terms
Rate is lowest available; individual rates and terms may vary based on down payment, credit history, and credit score.
Credit card score 87 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Proof of income is required when applying.
Credit card score 84 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 17.90%
9.90% APR, up to 17.90%
Terms
Rate based on creditworthiness. Credit limit $300 - $30,000. No annual or monthly fees. 25-day grace period.
Credit card score 84 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Visa Platinum card APR. Subject to credit approval, income, existing obligations, and underwriting criteria.
Credit card score 84 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Credit limit up to $10,000. Certain conditions, restrictions, and exclusions may apply.
Credit card score 84 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - Education Personnel Federal Credit UnionVisa Classic Credit Card · No annual fee
Credit union · 2 branches
9.90%APRas low asTerms
Loans are subject to member eligibility. No annual fees or balance transfer charges.
Credit card score 84 · 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 Illinois
109 banks and credit unions · checked Oct 16–22
- Typical
- 10.65%
- Top 10% up to
- 8.90%
- Banks, typical
- 14.24%
- Credit unions, typical
- 9.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Illinois
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches
- Acme Continental Credit UnionCredit union · 1 branch