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 16–30 of 70 in New York, NY-NJ metro · median 11.72% APR
- 9.90%APRas low as
Terms
Fixed rate. Rate based on credit history, collateral and loan characteristics. No interest charged if balance is paid in full within 25-day grace period.
Credit card score 84 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - Van Cortlandt Cooperative Federal Credit Union (VCCFCU)The VISA Classic · No annual fee
Credit union · 1 branch
9.90%APRas low asTerms
25 days grace period on purchases if balance is paid in full monthly. No transaction fee for purchases.
Credit card score 84 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 9.95%APRas low as
Terms
Fixed rate with a 25-day grace period and no annual fee. Subject to credit approval.
Credit card score 83 · Carrot Score 86
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 - 9.99%APRas low as · up to 18.00%
9.99% APR, up to 18.00%
Terms
Rates as low as 9.99% up to 18.00% based on creditworthiness. No annual fee.
Credit card score 82 · Carrot Score 79
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 - 10.45%APRas low as
Terms
Rates as low as 10.45% APR. Maximum limit $25,000. Determined by credit history and payment method. No annual fee. No balance transfer fee.
Credit card score 81 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - Greater Metro Federal Credit UnionPlatinum Mastercard® Credit Card · No annual fee
Credit union · 2 branches
10.49%APRas low as · up to 16.49%10.49% APR, up to 16.49%
Terms
As low as 10.24% APR. Rates based on 3.49% – 9.49% above the Prime Lending Rate as published by The Wall Street Journal.
Credit card score 81 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - American Airlines Federal Credit UnionVisa Platinum Low Rate · No annual fee
Credit union · 5 branches
10.50%APRas low as · up to 18.00%10.50% APR, up to 18.00%
Terms
Variable APR for purchases and cash advances based on creditworthiness and the Prime Rate.
Credit card score 81 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Terms
Rates starting at 10.5%. Rates based on creditworthiness and term of loan.
Credit card score 81 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 10.80%APRas low as
Terms
25 days grace period for retail purchases; Finance charge on average daily unpaid balance; APR may be lowered or increased with 90 days notice
Credit card score 80 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Fixed interest rate.
Credit card score 79 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 16.99%
10.99% APR, up to 16.99%
Terms
Fixed APR for purchases, balance transfers, and cash advances (tiers: 10.99%, 14.99%, 15.99%, 16.99%). Rates based on individual creditworthiness. Penalty APR 18.00% if payment 60 days late. 25-day grace period on purchases. Average daily balance calculation method.
Credit card score 77 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - Generations United Federal Credit UnionVISA Classic Credit Card · No annual fee
Credit union · 1 branch
11.00%APRas low asTerms
Credit Score > 800
Credit card score 77 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - Liberty Savings Federal Credit UnionVisa Rewards Credit Card · No annual fee
Credit union · 4 branches
11.00%APRas low as · up to 18.00%11.00% APR, up to 18.00%
Terms
Member-only rates as low as 11.00% APR; never pay over 18% APR. Rates and terms based upon creditworthiness.
Credit card score 77 · Carrot Score 86
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