Compare Bank & Credit Union Rates
Best credit card rates in Richmond, 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 1–13 of 13 in Richmond, VA · median 12.49% APR
- 6.90%APRas low as · up to 16.99%
6.90% APR, up to 16.99%
Terms
Regular rate based on credit score. Depending on score, rate may stay 6.90% APR up to 16.99% APR. No minimum balance fee.
Credit card score 97 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Credit card score 93
Rate checked · Credit cards rates on its site
Rates and branches - 1st Advantage Federal Credit Union1st Advantage Standard Mastercard · No annual fee
Credit union · 1 branch
11.50%APRas low asTerms
Standard variable APR determined by credit history. No balance transfer fee, no cash advance fee. Method used to compute purchase balance is Average Daily Balance.
Credit card score 75 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 11.65%APRas low as · up to 18.00%
11.65% APR, up to 18.00%
Terms
After the introductory period, the rate will return to the variable rate based on credit qualifications, currently 11.65% - 18.00% APR as of October 3, 2026 and subject to change.
Credit card score 75 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
As low as rate. Standard APRs for purchases and balance transfers will apply and is subject to change. Earn 1% cash back up to $50 monthly ($600 annually) on eligible purchases. Subject to credit approval. Minimum and maximum credit limits apply.
Credit card score 73 · Carrot Score 87
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 20.74%
13.74% APR, up to 20.74%
Terms
Variable APR (NOR version).
Credit card score 65 · Carrot Score 60
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 - 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 Richmond, VA
13 banks and credit unions · checked Oct 16–22
- Typical
- 12.49%
- Top 10% up to
- 8.62%
- Banks, typical
- 17.24%
- Credit unions, typical
- 11.78%
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