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 38 in Phoenix, AZ metro · median 11.87% APR
- 7.90%APRas low as · up to 13.90%
7.90% APR, up to 13.90%
Terms
APR for Purchases, Cash Advance and Balance Transfer.
Credit card score 93 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 7.92%APRas low as · up to 12.84%
7.92% APR, up to 12.84%
Terms
Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and underwriting standards. No annual fees.
Credit card score 93 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 18.00%
8.99% APR, up to 18.00%
Terms
Standard non-variable APR for purchases, balance transfers, and cash advances based on creditworthiness/FICO score. Rates are current as of 07/01/2015 and subject to change.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 16.99%
8.99% APR, up to 16.99%
Terms
Fixed APR determined when account is opened, based on creditworthiness and underwriting guidelines.
Credit card score 88 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - Sierra Pacific Federal Credit UnionNevada Alumni Affinity Visa · No annual fee
Credit union · 1 branch
8.99%APRas low as · up to 14.99%8.99% APR, up to 14.99%
Terms
No Annual Fee. Standard rates are currently 8.99% to 14.99% APR based on creditworthiness.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.25%APRas low as
Terms
Interest rate the same for all purchases and cash advances
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Fixed APR.
Credit card score 82 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
APR as low as 9.99%. Variable/Fixed rate noted in comparison table. Revolving term. Actual rate determined by Experian FICO 2 Credit Score. Balance transfer fee $10 or 3% (whichever is greater); cash advance fee $10 or 5% (whichever is greater).
Credit card score 82 · Carrot Score 85
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 - American Airlines Federal Credit UnionVisa Platinum Low Rate · No annual fee
Credit union · 2 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 - 10.90%APRas low as
Terms
Base APR. $3,000 minimum credit limit.
Credit card score 79 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Variable APR based on the Prime Rate. Applies to purchases.
Credit card score 77 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.15%APRas low as · up to 18.00%
11.15% APR, up to 18.00%
Terms
Purchase APR is 11.15%, 16.40%, 17.40%, or 18.00% depending on creditworthiness. Variable APR determined by adding 4.15%, 9.40%, 10.40%, or 12.40% to the Prime Rate. Maximum APR is 18.00%.
Credit card score 77 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.24%APRas low as
Terms
Variable rate. APR shown is the lowest available rate; actual APR may be higher depending on factors including borrower's credit history.
Credit card score 76 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Variable APR based on Prime Rate index plus margin. No annual fees. Visa Platinum requires a $6,000 minimum limit. Maximum APR of 18%.
Credit card score 75 · Carrot Score 99
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 Phoenix, AZ metro
38 banks and credit unions · checked Oct 16–22
- Typical
- 11.87%
- Top 10% up to
- 8.99%
- Banks, typical
- 14.74%
- Credit unions, typical
- 11.20%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Phoenix, AZ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 5 branches
- AERO FinancialCredit union · 7 branches
- Goldwater BankBank · 1 branch