Compare Bank & Credit Union Rates
Best credit card rates in Maryland
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 50 in Maryland · median 11.74% APR
- 7.00%APRas low as
Terms
Variable APR as low as 7.00%. Margin is 0.00% added to Prime Rate.
Credit card score 95 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as
Terms
APR equals Prime Rate (currently 7.00% as of September 17, 2026). Variable rate product.
Credit card score 95 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - Educational Systems Federal Credit UnionVisa Premier Rewards · $50 annual fee
Credit union · 13 branches
7.00%APRas low asTerms
APR as low as 7.00%. Actual rate based on credit. Variable monthly rate tied to the prime rate. No balance transfer fee, cash advance fee, or foreign transaction fee. Annual fee $50 (can be paid with points).
Credit card score 92 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Terms
Rates as low as 7.90% APR based on applicant's credit.
Credit card score 93 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Credit card score 88 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Credit Range: Excellent (No past credit issues). Same low APR on both cash advances and purchases.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - Prince George's Community Federal Credit UnionVisa Platinum · No annual fee
Credit union · 4 branches
8.99%APRas low asTerms
Fixed rates as low as 8.99% APR. No annual fee. No balance transfer fees. Limits up to $25,000.
Credit card score 88 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.00%APRas low as
Terms
Fixed rate. Rate information is accurate as of June 1, 2026.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.24%APRas low as · up to 19.24%
9.24% APR, up to 19.24%
Terms
Based on creditworthiness. No annual fee.
Credit card score 88 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 9.40%APRas low as · up to 18.25%
9.40% APR, up to 18.25%
Terms
Standard purchase rate based on creditworthiness when opening account; variable APR based on Prime Rate.
Credit card score 88 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as
Terms
Variable APR as low as 9.49%. Rate varies based on creditworthiness.
Credit card score 87 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as · up to 19.50%
9.50% APR, up to 19.50%
Terms
Based on creditworthiness and subject to approval. Applies to Purchases, Cash Advances or Balance Transfers.
Credit card score 87 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 9.75%APRas low as
Terms
Rate tier based on creditworthiness. Same APR for purchases and balance transfers.
Credit card score 87 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 9.75%APRas low as
Terms
Purchases APR (fixed rate; monthly periodic rate 0.8125%). 25-day grace period on purchases if full balance is paid by due date.
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - First Financial Federal Credit UnionTraditional Rewards Visa Credit Card · No annual fee
Credit union · 10 branches
9.90%APRas low as · up to 18.00%9.90% APR, up to 18.00%
Terms
Fixed APR based on creditworthiness. Same rate applies to purchases, cash advances, and balance transfers.
Credit card score 84 · Carrot Score 75
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 Maryland
50 banks and credit unions · checked Oct 16–22
- Typical
- 11.74%
- Top 10% up to
- 8.99%
- Banks, typical
- 13.74%
- Credit unions, typical
- 10.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Maryland
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 13 branches
- Tower Federal Credit UnionCredit union · 17 branches
- EagleBankBank · 7 branches