Compare Bank & Credit Union Rates
Best credit card rates in Massachusetts
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 48 in Massachusetts · median 10.94% APR
- 9.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate reduced to 9.99% with direct debit from your 600 Atlantic FCU account. Cash rate same as purchase rate.
Credit card score 82 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 17.99%
9.99% APR, up to 17.99%
Terms
Variable APR on purchases based on creditworthiness.
Credit card score 82 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Non-variable rate for Cash Advance and Purchases.
Credit card score 82 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Purchase APR: Prime + 2.99%.
Credit card score 73 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - American Airlines Federal Credit UnionVisa Platinum Low Rate · No annual fee
Credit union · 2 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 - First Tech Federal Credit UnionChoice Rewards World Mastercard · No annual fee
Credit union · 19 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
Rate based on creditworthiness. APR for Purchases, Balance Transfers, and Cash Advances is 10.75% (monthly periodic rate 0.8858%). Annual fee of $15.00 is waived first year.
Credit card score 77 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
One flat 10.90% APR across all transaction types. No annual fee. No fees on balance transfers. No fees on cash advances.
Credit card score 79 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Credit card score 79 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Credit card score 77 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - New England Teamsters Federal Credit UnionVISA® Platinum Credit Card · No annual fee
Credit union · 1 branch
10.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR listed is based on credit history and credit score. APR quoted reflects a 1.00% discount for payroll deduction and automatic payment from a NETFCU account. Other rates and terms may be available. Rates subject to change without notice.
Credit card score 77 · Carrot Score 67
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Credit Type: New to Credit. First-time borrower variable APR as low as 11.74%. Cash advance APR is same as APR for purchases. Rate capped at 17.5%.
Credit card score 75 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Credit card score 73 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Fixed rate.
Credit card score 73 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 18.00%
11.90% APR, up to 18.00%
Terms
Variable APR based on creditworthiness. No annual fee.
Credit card score 73 · Carrot Score 91
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 Massachusetts
48 banks and credit unions · checked Oct 15–22
- Typical
- 10.94%
- Top 10% up to
- 8.96%
- 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.
Massachusetts
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 14 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches