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 70 in New York, NY-NJ metro · median 11.72% APR
- 6.95%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate is as low as advertised for qualified borrowers based on creditworthiness and underwriting factors; includes a 1.00% discount when eligible products and services are added.
Credit card score 97 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Terms
Regular APR after the introductory period is 7.9%.
Credit card score 93 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - Educational & Governmental Employees Federal Credit UnionVisa Premier · No annual fee
Credit union · 2 branches
8.75%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Purchases. Rate assumes A credit with automatic payment made from an E&G checking account.
Credit card score 89 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed rate. No annual fee, no cash advance fee, no balance transfer fee.
Credit card score 89 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - Ukrainian National Federal Credit UnionVISA Platinum Credit Card · No annual fee
Credit union · 4 branches
8.90%APRas low asCredit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Visa Regular rate as low as 8.99% APR.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.00%APRas low as
Terms
Purchases up to $25,000; 25-day grace period on purchases; low monthly payments of 2.5% of the outstanding balance; no annual fee.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.00%APRas low as
Terms
Fixed APR applies equally to purchases, balance transfers, and cash advances. No balance transfer fee, no cash advance fee, and no penalty APR. Minimum credit limit is $1,000.00; maximum credit limit is $15,000.00.
Credit card score 88 · 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
Terms
Minimum credit limits starts at $8,000
Credit card score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 18.00%
9.90% APR, up to 18.00%
Credit card score 84 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
9.90% APR Purchases & Transfers. $0 Annual & Transfer Fees.
Credit card score 84
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Rate is 'As Low As'. Subject to credit approval; rate may vary based on creditworthiness. Minimum savings balance of $100 required to be eligible for loans. Membership required.
Credit card score 84 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
APR of 9.9% on purchases, cash advance, and balance transfer. Qualification based on creditworthiness and underwriting standards.
Credit card score 84 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - Town of Hempstead Employees Federal Credit UnionVisa Preferred · No annual fee
Credit union · 2 branches
9.90%APRas low asCredit card score 84 · 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 New York, NY-NJ metro
70 banks and credit unions · checked Oct 16–22
- Typical
- 11.72%
- Top 10% up to
- 9.00%
- Banks, typical
- 17.37%
- Credit unions, typical
- 11.32%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
New York, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches