Compare Bank & Credit Union Rates
Best credit card rates, lowest APRs
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–15 of 25 in Baltimore, MD metro · median 12.40% APR
- 7.00%APRas low as
Terms
Variable APR as low as 7.00%. Margin is 0.00% added to Prime Rate.
Credit card score 95 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as
Terms
APR equals Prime Rate (currently 7.00% as of September 17, 2026). Variable rate product.
Credit card score 95 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - Educational Systems Federal Credit UnionVisa Premier Rewards · $50 annual fee
Credit union · 1 branch
7.00%APRas low asTerms
APR as low as 7.00%. Actual rate based on credit. Variable monthly rate tied to the prime rate. No balance transfer fee, cash advance fee, or foreign transaction fee. Annual fee $50 (can be paid with points).
Credit card score 92 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Terms
Rates as low as 7.90% APR based on applicant's credit.
Credit card score 93 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as
Terms
Variable APR as low as 9.49%. Rate varies based on creditworthiness.
Credit card score 87 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as · up to 19.50%
9.50% APR, up to 19.50%
Terms
Based on creditworthiness and subject to approval. Applies to Purchases, Cash Advances or Balance Transfers.
Credit card score 87 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - First Financial Federal Credit UnionTraditional Rewards Visa Credit Card · No annual fee
Credit union · 8 branches
9.90%APRas low as · up to 18.00%9.90% APR, up to 18.00%
Terms
Fixed APR based on creditworthiness. Same rate applies to purchases, cash advances, and balance transfers.
Credit card score 84 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Purchase APR for purchases at Bass Pro Shops and Cabela's.
Credit card score 82 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; tied to the U.S. Prime Rate.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as · up to 15.90%
10.90% APR, up to 15.90%
Terms
Standard APR based on creditworthiness and qualifications. Also listed as 'as low as 10.90%'.
Credit card score 79 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - Five Star Federal Credit UnionPlatinum Rewards Visa Credit Card · No annual fee
Credit union · 4 branches
12.00%APRas low asTerms
Rates quoted are the lowest available ('as low as') and depend on credit history.
Credit card score 72 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as
Terms
Standard variable APR for purchases, cash advances, and balance transfers based on creditworthiness when you open your account.
Credit card score 71 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.40%APRas low as
Terms
Fixed rate as low as 12.4% APR. Subject to credit approval.
Credit card score 71 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Rate shown is the lowest rate available (floor rate), based on individual credit history. Rate applies to purchases, balance transfers, and cash advances. Subject to change without notice. No annual fee. No cash advance fee when using your Point Breeze Visa Credit Card at a Point Breeze office or ATM. Pay entire balance by due date each month to avoid paying interest on purchases.
Credit card score 69 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Without Card Rewards program. Variable ongoing rate as low as Prime + 5.9% (maximum 18.0% APR). Assumes FICO score of 730+. Credit limits from $300 up to $20,000. Minimum payment is 2% of balance or $25.
Credit card score 67 · Carrot Score 84
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 Baltimore, MD metro
25 banks and credit unions · checked Oct 16–22
- Typical
- 12.40%
- Top 10% up to
- 7.36%
- Banks, typical
- 13.99%
- Credit unions, typical
- 11.45%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Baltimore, MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 15 branches
- Freedom Federal Credit UnionCredit union · 8 branches