Compare Bank & Credit Union Rates
Best credit card rates in Midlothian, VA
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 Chesterfield County, VA · median 13.12% APR
- 9.24%APRas low as · up to 19.24%
9.24% APR, up to 19.24%
Terms
Based on creditworthiness. No annual fee.
Credit card score 88 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 16.99%
9.99% APR, up to 16.99%
Credit card score 82 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; tied to the U.S. Prime Rate.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Annual Percentage Rate for purchases. Grace period for repayment of balance for purchases is 25 days before finance charge is imposed. Balance computed using Average Daily Balance (including new purchases). Minimum finance charge: None. Transaction fee for purchases: None.
Credit card score 77 · Carrot Score 80
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
No monthly or annual service fees. No balance transfer fees. No cash advance fees. No foreign transaction fees. Competitive variable rates with the same rate for cash advances, balance transfers, and purchases. APR varies with the market based on the Prime Rate. Credit limits from $500 to $20,000. Balance transfers cannot be applied to existing Homebase CU loans.
Credit card score 72 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
No balance transfer fee. Subject to creditworthiness and qualifications.
Credit card score 72 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 17.99%
12.49% APR, up to 17.99%
Terms
Purchase rate for VCU Black & Gold Essential Mastercard option. Variable rate based on prime.
Credit card score 70 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable purchase APR is 15.24% - 18.00%, adjusted quarterly to WSJ Prime rate plus margin of 6.74% - 15.74%. No annual fee.
Credit card score 65 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 65 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Variable APR for Purchases determined monthly by adding 6.99% margin to Prime Rate (7.00% as of September 17, 2026). Introductory $0 annual fee for the first year, after that $450 (waived for eligible Wealth clients).
Credit card score 61 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 15.70%APRas low as
Terms
Purchase APR is variable with the market based on the Prime Rate. 25-day grace period on purchases when paying the full statement balance by the due date.
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 17.24%APRas low as · up to 23.24%
17.24% APR, up to 23.24%
Terms
After the intro period, regular variable APR of 17.24% - 23.24% (also stated as 17.99% - 23.99% in disclosures), based on creditworthiness.
Credit card score 61 · Carrot Score 84
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
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 Chesterfield County, VA
14 banks and credit unions · checked Oct 16–22
- Typical
- 13.12%
- Top 10% up to
- 10.06%
- Banks, typical
- 15.70%
- Credit unions, typical
- 11.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Richmond, VA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Langley Credit UnionCredit union · 1 branch
- Primis BankBank · 9 branches
- Peoples Advantage FCUCredit union · 4 branches