Compare Bank & Credit Union Rates
Best credit card rates in Salem, 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 1–14 of 14 in Salem, OR · median 11.62% APR
- 9.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum $9,000.00. Rates include a .50% discount for automatic payment from an IBEW/SJ Cascade FCU account and electronic delivery of monthly statement. Monies must be on deposit before the date of the due date of the automatic payment. If cancelled, rate increases by .50%.
Credit card score 82 · Carrot Score 72
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
Standard variable APR for purchases based on creditworthiness. 25-day grace period on purchases paid by the due date.
Credit card score 82 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as · up to 20.50%
10.50% APR, up to 20.50%
Terms
Rates on purchases. Same rates for cash advances and balance transfers. APR varies with market based on prime rate.
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - First Tech Federal Credit UnionChoice Rewards World Mastercard · No annual fee
Credit union · 1 branch
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 · 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 - 10.75%APRas low as · up to 17.50%
10.75% APR, up to 17.50%
Terms
Standard purchase APR. Penalty APR is 18.00%.
Credit card score 80 · Carrot Score 98
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 - 12.25%APRas low as · up to 20.25%
12.25% APR, up to 20.25%
Terms
Variable APR for purchases based on creditworthiness; rate varies with Prime rate.
Credit card score 71 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as · up to 18.00%
13.65% APR, up to 18.00%
Terms
Variable APR determined by credit qualifications/creditworthiness. 25-day grace period on purchases (excluding cash advances). Rates current as of October 22, 2026 and subject to change. Cash advance fee is 3% ($10 minimum). Balance transfer fee is $0.
Credit card score 65 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 16.74%APRas low as
Terms
Purchase APR is variable (Prime Rate of 6.75% + 9.74% margin, max 22.99%).
Credit card score 61 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as · up to 28.49%
17.74% APR, up to 28.49%
Terms
17.74%, 24.24% or 28.49% variable APR thereafter.
Credit card score 60 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 18.49%APRas low as · up to 27.99%
18.49% APR, up to 27.99%
Terms
Variable APR
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 20.74%APRas low as · up to 27.74%
20.74% APR, up to 27.74%
Terms
Variable APR for purchases based on creditworthiness and the Prime Rate.
Credit card score 60 · Carrot Score 60
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 Salem, OR
14 banks and credit unions · checked Oct 16–22
- Typical
- 11.62%
- Top 10% up to
- 10.14%
- Banks, typical
- 18.12%
- Credit unions, typical
- 10.75%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Salem, OR metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Valley Credit UnionCredit union · 1 branch