Compare Bank & Credit Union Rates
Best credit card rates in Portland, OR
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 21 in Portland, OR · median 12.00% APR
- 8.90%APRas low as · up to 19.90%
8.90% APR, up to 19.90%
Terms
Credit limits from $250 to $30,000. Variable APR based on Wall Street Journal Prime Rate plus a margin. Annual Percentage Rate is for purchases, cash advances, and balance transfers. No Annual Fee, Cash Advance Fee, or Balance Transfer Fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.95%APRas low as
Terms
Purchase APR 8.95% (variable). On approved credit. All loans subject to credit approval. 25-day grace period.
Credit card score 89 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as
Terms
Low fixed interest rate.
Credit card score 87 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Qualifying credit tiers A+ (725+), A (690-724), B (650-689), C (600-649). Variable APR.
Credit card score 84 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 10.65%APRas low as · up to 17.90%
10.65% APR, up to 17.90%
Terms
Variable APR for purchases and balance transfers. Cash advance fee is 3% of amount advanced. No annual fee.
Credit card score 81 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 10.75%APRas low as · up to 18.00%
10.75% APR, up to 18.00%
Terms
Variable APR based on an index plus a margin of 4.00%, 6.00%, 10.00%, or 14.00% depending on credit qualifications. No annual fee.
Credit card score 80 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 11.24%APRas low as · up to 23.24%
11.24% APR, up to 23.24%
Terms
Variable APR applies after the intro APR offer ends. Subject to credit approval.
Credit card score 76 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 19.50%
11.50% APR, up to 19.50%
Terms
Based upon your creditworthiness when you open your account. After that, your APR will vary with the market based upon the Prime Rate.
Credit card score 75 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 22.00%
11.50% APR, up to 22.00%
Terms
Variable APR based on creditworthiness; varies with the market based on the prime rate.
Credit card score 75 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Opening APR based on creditworthiness; thereafter Prime plus margin. Stated APR applies to purchases, cash advances, and balance transfers.
Credit card score 75 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 18.25%
12.00% APR, up to 18.25%
Terms
Purchases. Variable rate based on Prime rate with an 18.00% ceiling.
Credit card score 72 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as · up to 18.00%
12.24% APR, up to 18.00%
Terms
Revolving repayment term. No cash advance fees, no balance transfer fees. 1% cash back on all purchases automatically deposited quarterly into savings account on the 15th day (or next business day) of January, April, July, and October.
Credit card score 71 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
28-day grace period on purchases. Average daily balance method (including new purchases).
Credit card score 67 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 22.50%
13.50% APR, up to 22.50%
Terms
Thereafter, variable APR ranges from 13.50% to 22.50% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026.
Credit card score 65 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.90%APRas low as
Terms
Fixed rate; no annual fees
Credit card score 64 · Carrot Score 69
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 Portland, OR
21 banks and credit unions · checked Oct 16–22
- Typical
- 12.00%
- Top 10% up to
- 9.49%
- Banks, typical
- 17.24%
- Credit unions, typical
- 11.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Portland, OR-WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ironworkers USA Credit UnionCredit union · 1 branch
- Rivermark Community Credit UnionCredit union · 18 branches
- Ukrainian Federal Credit UnionCredit union · 2 branches