Compare Bank & Credit Union Rates
Best credit card rates in Pennsylvania
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 163 in Pennsylvania · median 10.24% APR
- 6.75%APRas low as · up to 18.00%
6.75% APR, up to 18.00%
Terms
APR is non-variable and based on creditworthiness when you open your account. No annual fee. Earns 1 point per $1 spent with uChoose Rewards.
Credit card score 99 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 6.90%APRas low as
Terms
Rates are based on creditworthiness, so your rate offered may differ. Loans may be subject to other terms and conditions.
Credit card score 97 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as
Terms
As low as rate.
Credit card score 95
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as · up to 17.99%
7.99% APR, up to 17.99%
Terms
For qualified buyers. Rates are based on creditworthiness and the term of the loan. Rates are subject to change at any time and are not guaranteed.
Credit card score 93 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as
Terms
Standard ongoing rate based on creditworthiness. Limits up to $20,000.
Credit card score 93 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as · up to 15.74%
7.99% APR, up to 15.74%
Terms
Fixed APR based on creditworthiness.
Credit card score 93 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Terms
Standard APR for purchases and balance transfers; varies with market based on Prime Rate. Applies after introductory periods.
Credit card score 89 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as · up to 18.00%
8.75% APR, up to 18.00%
Terms
Regular variable rate based on an evaluation of creditworthiness criteria and Wall Street Journal Prime Rate ('index') plus or minus the margin as disclosed in credit agreement. Applies to purchases, balance transfers, and cash advances. APR will not exceed 18%. Rate quoted as of 10/16/2026.
Credit card score 89 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
25-day grace period; minimum monthly payment of $25.00; credit life insurance coverage available at a low cost to the member.
Credit card score 89 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Rate is non-variable and based on creditworthiness and other underwriting criteria; the APR received may differ from the rate shown. Credit limits range from $250 to $25,000. No balance transfer fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Annual Percentage Rate for purchases, cash advances, and balance transfers. Rate as low as 8.90% APR based on creditworthiness.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR for purchases, balance transfers, and cash advances. Rates illustrated reflect a 0.25% discount for having Credit Union checking account with direct deposit of $500 or more each month. Actual loan rate will be determined from your credit score.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Standard APR from the Credit Cards rate table; transaction type not specified.
Credit card score 89 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Rate based on member's credit worthiness. No balance transfer fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 16.90%
8.90% APR, up to 16.90%
Terms
Standard APR on unpaid balance based on creditworthiness. 8.90% APR listed as lowest rate as of October 1, 2026. No annual fee, no cash advance or domestic transaction fees. No interest charged on purchases if paid within 25 days of statement date. 1% foreign transaction fee.
Credit card score 89 · Carrot Score 89
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 Pennsylvania
163 banks and credit unions · checked Oct 16–22
- Typical
- 10.24%
- Top 10% up to
- 8.90%
- Banks, typical
- 15.49%
- Credit unions, typical
- 9.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Pennsylvania
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Americo FCUCredit union · 2 branches
- FirstEnergy Choice FCUCredit union · 1 branch
- PenFed Credit UnionCredit union · 1 branch