Compare Bank & Credit Union Rates
Best credit card rates in Bellingham, WA
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–11 of 11 in Bellingham, WA · median 14.99% APR
- 9.50%APRas low as
Terms
Up to $20,000 limit. No Annual Fee, No Balance Transfer Fee, No Penalty Rate, No Cash Advance Fee.
Credit card score 87 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 24.90%
9.90% APR, up to 24.90%
Terms
9.90% - 24.90% when you open your account, based on your creditworthiness. After that, your APR may vary with the market and changes in creditworthiness.
Credit card score 84 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 19.50%
11.50% APR, up to 19.50%
Terms
Based upon your creditworthiness when you open your account. After that, your APR will vary with the market based upon the Prime Rate.
Credit card score 75 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 16.99%
11.99% APR, up to 16.99%
Terms
Regular purchase APR is 11.99% to 16.99% (starting at 11.99% fixed rate) based on creditworthiness. Annual fee is $50, waived for the first year, or no annual fee ever for members with FREE Smart Checking / Smart Account relationship. Monthly payments minimum 1.5% of balance.
Credit card score 67 · Carrot Score 74
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
Annual Percentage Rate for Purchase, Balance Transfers and Cash Advances.
Credit card score 65 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as
Terms
Variable purchase rate based on prime rate plus a margin. No annual fee.
Credit card score 62 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 16.49%APRas low as
Terms
Rates as low as 16.49% variable APR, effective 10/1/2026. Actual APR determined when you apply based on creditworthiness. Variable rate based on Prime Rate. Overall BECU credit card rates range up to 25.49% variable APR. No annual fee, no balance-transfer fee, no cash-advance fee, no foreign-transaction fee.
Credit card score 61 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 16.74%APRas low as
Terms
Purchase APR is variable (Prime Rate of 6.75% + 9.74% margin, max 22.99%).
Credit card score 61 · Carrot Score 83
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 - 20.74%APRas low as · up to 27.74%
20.74% APR, up to 27.74%
Terms
Variable APR for purchases based on creditworthiness and the Prime Rate.
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 Bellingham, WA
11 banks and credit unions · checked Oct 16–22
- Typical
- 14.99%
- Top 10% up to
- 9.90%
- Banks, typical
- 17.24%
- 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.
Bellingham, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- WECUCredit union · 9 branches
- First Fed BankBank · 3 branches
- WestEdge Credit UnionCredit union · 1 branch