Compare Bank & Credit Union Rates
Best credit card rates in New York
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 91–105 of 138 in New York · median 10.50% APR
- 11.74%APRas low as · up to 17.74%
11.74% APR, up to 17.74%
Terms
Based on creditworthiness. Variable APR based on Wall Street Journal Prime Rate.
Credit card score 75 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - CrossRoads Community Federal Credit UnionCrossRoads Community MasterCard · No annual fee
Credit union · 1 branch
11.90%APRas low asTerms
Fixed rate; no annual card fee; no balance transfer fees
Credit card score 73 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - Rochester & Monroe County Employees Federal Credit UnionVisa Credit Card · No annual fee
Credit union · 2 branches
11.90%APRas low asTerms
Fixed APR. Payment per $1,000 is $30.00. No-fee credit card.
Credit card score 73 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - Spencerport Federal Credit UnionVisa Platinum Preferred with Score Card Points · No annual fee
Credit union · 1 branch
11.90%APRas low asTerms
Fixed rate of interest; 25-day grace period for purchases; no balance transfer or cash advance fees. Rates dependent upon credit approval.
Credit card score 73 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Purchases; periodic rate of 0.99% per month; 25-day grace period; average daily balance including new purchases
Credit card score 73 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New accounts. As low as rate based on credit score from Experian 680 or higher. Rate assumes automatic payment on contractual due date or an upcharge of .50% will be added to the rate.
Credit card score 72 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Regular Purchase APR is 11.99% (monthly periodic rate of 0.9992%).
Credit card score 72 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 17.99%
11.99% APR, up to 17.99%
Terms
For new accounts, balance transfers, cash advances and purchases. Payment is 3% of balance. Rates determined by credit history.
Credit card score 72 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
APR for Purchases as low as 11.99%. Actual APR based on creditworthiness at account opening and varies with market based on Prime Rate.
Credit card score 67 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 19.00%
12.00% APR, up to 19.00%
Terms
Variable APR for purchases and cash advances. After the first six months, APR is based on Prime Rate (Index) plus a margin of 5.00% to 12.00% (currently 12.00% – 18.00%). APR will never be greater than 18.00%.
Credit card score 72 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 17.99%
12.00% APR, up to 17.99%
Terms
Ongoing variable APR for purchases based on creditworthiness: Prime Rate + 5.00% up to Prime Rate + 14.24%. Maximum APR is 17.99% (or 18.00% per rate tables).
Credit card score 72 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Fixed rate. Rate based on creditworthiness. No annual fee.
Credit card score 72 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Credit card score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as · up to 17.99%
12.24% APR, up to 17.99%
Terms
Variable APR based on Prime Rate (7.00%) + margin (+5.24% to 14.49%); maximum APR 17.99%. APR varies based on creditworthiness.
Credit card score 71 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as
Terms
Variable APR currently as low as 12.25%. Maximum credit line $15,000. No balance transfer fee.
Credit card score 71 · 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 New York
138 banks and credit unions · checked Oct 16–22
- Typical
- 10.50%
- Top 10% up to
- 8.42%
- Banks, typical
- 17.12%
- Credit unions, typical
- 10.22%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
New York
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 5 branches
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch