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 45 in San Francisco, CA metro · median 11.99% APR
- 7.45%APRas low as · up to 17.99%
7.45% APR, up to 17.99%
Terms
Regular variable APR based on creditworthiness. Prime Rate is 7.00% as of 10/01/2026.
Credit card score 95 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - Sheet Metal Workers Local 104 Federal Credit UnionVisa® Platinum · No annual fee
Credit union · 1 branch
7.90%APRas low asTerms
As Low as 7.90% APR. No Annual Fee, No Balance Transfer Fee, No Cash Advance Fee, No Over Credit Limit Fee.
Credit card score 93 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Non-variable APR for purchases, balance transfers, and cash advances. Minimum interest charge is $1.00 if charged interest.
Credit card score 89 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Fixed rate as low as 8.99% APR for purchases. No balance transfer or cash advance fees (higher interest rates may apply).
Credit card score 88 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Fixed rates as low as 8.99%. $1,000 limit to get you started. 1.5% Cash Back Rewards. No penalty APR for late payments. $0 annual fee, no cash advance fee, no balance transfer fee, no foreign transaction fees.
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 - 8.99%APRas low as · up to 9.99%
8.99% APR, up to 9.99%
Terms
Non-Variable Rate Program based on creditworthiness. 25-day grace period on purchases. Average daily balance method.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Credit card score 84 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 15.90%
9.90% APR, up to 15.90%
Terms
Variable rate based on credit score. Applies to purchases, cash advances, and balance transfers.
Credit card score 84 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed rate.
Credit card score 84 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Purchases APR is 9.90% (Fixed).
Credit card score 84 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed APR for purchases. Rate displayed is for level 1 credit scores; individual rates may differ based on application and credit criteria.
Credit card score 84 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 17.99%
9.99% APR, up to 17.99%
Terms
Base APR starts as low as 9.99%. APR for purchases, balance transfers, and cash advances is 9.99% - 17.99% based on creditworthiness. Revolving term.
Credit card score 82 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Variable APR of Prime + 2.99%, currently 9.99%. Take advantage of a balance transfer offer. No balance transfer fee during the first six months, then $10 or 1% whichever is higher.
Credit card score 73 · Carrot Score 64
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 San Francisco, CA metro
45 banks and credit unions · checked Oct 16–22
- Typical
- 11.99%
- Top 10% up to
- 8.99%
- Banks, typical
- 17.24%
- Credit unions, typical
- 11.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
San Francisco, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st Nor Cal® Credit UnionCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 4 branches