Compare Bank & Credit Union Rates
Best credit card rates in Virginia
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 76–89 of 89 in Virginia · median 11.35% APR
- 13.74%APRas low as
Terms
Standard purchase rate as low as 13.74% APR. Cash advance rate = 17.74% APR. Some rates are not available in Puerto Rico.
Credit card score 65 · Carrot Score 81
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 - 13.90%APRas low as · up to 18.00%
13.90% APR, up to 18.00%
Terms
Variable ongoing APR based on the highest Prime Rate in WSJ Money Rates; maximum APR is 18.00%.
Credit card score 64 · Carrot Score 69
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 - 14.00%APRas low as · up to 18.00%
14.00% APR, up to 18.00%
Terms
Variable APR currently 14.00% to 18.00% as displayed on secondary card table. Annual fee is waived for the first year, then $25/year (waived with $1,000+ in transactions over 12 months). Balance transfer fee after initial 12 months is $10 or 2.5% of transfer amount, whichever is greater.
Credit card score 63 · Carrot Score 79
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 - 15.74%APRas low as · up to 23.74%
15.74% APR, up to 23.74%
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 - PenFed Credit UnionPenFed Power Cash Rewards Visa Signature Card · No annual fee
Credit union · 7 branches
17.99%APRas low asTerms
Purchase variable APR based on creditworthiness.
Credit card score 60 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 17.99%APRas low as
Terms
After the promotional period, the rate reverts to 17.99% non-variable APR on purchases. Regular standard rate.
Credit card score 60 · Carrot Score 85
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 - 18.75%APRas low as · up to 22.75%
18.75% APR, up to 22.75%
Terms
Variable APR based on creditworthiness.
Credit card score 60 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 18.99%APRas low as · up to 26.99%
18.99% APR, up to 26.99%
Terms
Variable APR for purchases and balance transfers is 18.99% - 26.99% based on creditworthiness. $0 annual fee with active Costco membership.
Credit card score 60 · 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 Virginia
89 banks and credit unions · checked Oct 15–22
- Typical
- 11.35%
- Top 10% up to
- 8.90%
- Banks, typical
- 13.74%
- 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.
Virginia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 1 branch
- Langley Credit UnionCredit union · 19 branches
- EagleBankBank · 3 branches