Compare Bank & Credit Union Rates
Best credit card rates in Spokane Valley, 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 1–12 of 12 in Spokane Valley, WA · median 12.70% APR
- 9.90%APRas low as
Terms
Non-variable, as low as 9.90% APR*. Annual Percentage Rate may vary based on approved credit.
Credit card score 84 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low as · up to 24.00%
11.49% APR, up to 24.00%
Terms
Variable APR as low as 11.49% up to 24.00% depending on creditworthiness.
Credit card score 76 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 20.99%
11.99% APR, up to 20.99%
Terms
Purchases. Variable APR. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. No annual fee.
Credit card score 72 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 18.00%
12.50% APR, up to 18.00%
Terms
Variable APR changing with market based on Prime rate, not to exceed 18%. Rate dependent upon credit qualifications/history.
Credit card score 70 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 21.50%
12.50% APR, up to 21.50%
Terms
Standard variable APR based on Prime Rate depending on credit history for purchases. Prime plus margin of 5.50% - 21.00% depending on credit history. Maximum APR 29.99%.
Credit card score 70 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 12.65%APRas low as · up to 21.25%
12.65% APR, up to 21.25%
Terms
APR is 12.65% to 21.25% when you open your account; after that, APR will vary with the market based on the prime rate. Rate is based on credit qualification and the VISA Credit Card selected. No interest charged on purchases if entire new purchase balance is paid by the due date each month.
Credit card score 69 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 24.74%
12.74% APR, up to 24.74%
Terms
Variable rate based on Prime Rate. Standard variable APR based on creditworthiness. Avoid finance charges on purchases by paying entire balance within 25 days of statement closing date.
Credit card score 69 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 22.99%
12.99% APR, up to 22.99%
Terms
Variable APR thereafter based on creditworthiness. $0 intro annual fee for the first year, then $49/year.
Credit card score 64 · Carrot Score 81
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 - 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 Spokane Valley, WA
12 banks and credit unions · checked Oct 22
- Typical
- 12.70%
- Top 10% up to
- 11.54%
- Banks, typical
- 17.74%
- Credit unions, typical
- 12.50%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Spokane, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ICCUCredit union · 6 branches
- Responders Emergency Services Credit UnionCredit union · 1 branch
- Ironworkers USA Credit UnionCredit union · 1 branch