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 51 in Philadelphia, PA-NJ-DE-MD metro · median 10.90% 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 - 7.99%APRas low as · up to 17.99%
7.99% APR, up to 17.99%
Terms
For qualified buyers. Rates are based on creditworthiness and the term of the loan. Rates are subject to change at any time and are not guaranteed.
Credit card score 93 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as · up to 14.99%
7.99% APR, up to 14.99%
Terms
Annual Percentage Rate (APR) for Purchases. Rates may vary depending upon term and credit worthiness. Method of computing balance: Average Daily Balance (including new purchases). No annual fee, transaction fee for purchases, or over-the-limit fee. Late payment fee $20.00.
Credit card score 93 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Rate based on member's credit worthiness. No balance transfer fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 16.90%
8.90% APR, up to 16.90%
Terms
Standard APR on unpaid balance based on creditworthiness. 8.90% APR listed as lowest rate as of October 1, 2026. No annual fee, no cash advance or domestic transaction fees. No interest charged on purchases if paid within 25 days of statement date. 1% foreign transaction fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Rates as low as 8.99% APR. Subject to credit approval. Minimum payment is required.
Credit card score 88 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Purchases. Rates as low as 8.99% APR based on creditworthiness. No annual fee. Pay no interest within the 25-day grace period.
Credit card score 88 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - Deepwater Industries Federal Credit UnionVisa® Platinum Credit Card · No annual fee
Credit union · 2 branches
9.00%APRas low asTerms
Purchases. Fixed rate. Rates offered are subject to credit worthiness.
Credit card score 88 · Carrot Score 81
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
Interest rate as low as 9.50% APR. Purchasing power up to $15,000 limit. No annual fee. Low Balance Transfer Fee. No Cash Advance Fee. Score Rewards available.
Credit card score 87 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 9.74%APRas low as
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.88%APRas low as · up to 17.99%
9.88% APR, up to 17.99%
Terms
Rate is based on creditworthiness.
Credit card score 87 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - Delaware State Police Federal Credit UnionVisa Titanium™ Credit Card · No annual fee
Credit union · 1 branch
9.90%APRas low asTerms
Rate as low as stated. Rates may vary based on term and creditworthiness.
Credit card score 84 · Carrot Score 80
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 · 1 branch
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 - 9.90%APRas low as
Terms
Fixed interest rate. Rate also applies to balance transfers from another credit card.
Credit card score 84 · Carrot Score 75
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 Philadelphia, PA-NJ-DE-MD metro
51 banks and credit unions · checked Oct 16–22
- Typical
- 10.90%
- Top 10% up to
- 8.99%
- Banks, typical
- 17.74%
- Credit unions, typical
- 10.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Philadelphia, PA-NJ-DE-MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Freedom Credit UnionCredit union · 4 branches
- HEFCUCredit union · 1 branch
- Self Reliance Financial Federal Credit UnionCredit union · 4 branches