Compare Bank & Credit Union Rates
Best credit card rates in Salem, 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 1–10 of 10 in Salem, VA · median 12.36% APR
- 9.79%APRas low as
Terms
Rate based on credit worthiness. Low fixed-rate. No APR increases on cash advances.
Credit card score 87 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Standard non-variable APR for purchases. Same APR for purchases and cash advances.
Credit card score 82 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Rate is as low as 10.90% APR based on creditworthiness. No annual fee. No balance transfer fee.
Credit card score 79 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Rate based on creditworthiness, term of loan, loan to value, and age of collateral. Credit union membership required. Earns points for every dollar spent redeemable for gifts and travel rewards.
Credit card score 77 · Carrot Score 82
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
Standard variable APR for purchases depending on credit history; varies with market based on Prime Rate.
Credit card score 71 · Carrot Score 72
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 - 13.50%APRas low as
Terms
Due date is at least 25 days after the close of each billing cycle; no interest on purchases if entire balance is paid by due date each month. Balance calculated using Average Daily Balance method. Late payment fee: $10.00 if 20 days or more late.
Credit card score 65 · Carrot Score 89
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 - 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
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, VA
10 banks and credit unions · checked Oct 15–22
- Typical
- 12.36%
- Top 10% up to
- 9.97%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Roanoke, VA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Beacon Credit UnionCredit union · 2 branches
- Blue Eagle Credit UnionCredit union · 4 branches
- SalemVA Credit UnionCredit union · 3 branches