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 46–60 of 70 in Washington, DC-VA-MD-WV metro · median 11.62% APR
- 12.49%APRas low as · up to 17.99%
12.49% APR, up to 17.99%
Terms
Purchase rate for VCU Black & Gold Essential Mastercard option. Variable rate based on prime.
Credit card score 70 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 20.00%
12.74% APR, up to 20.00%
Terms
Annual Percentage Rate (APR) for purchases as low as 12.49% variable. Purchase APR equals Prime Rate plus 5.74% (A+ rating) up to 13.00% (C/D rating), max 18%.
Credit card score 69 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as · up to 18.00%
12.75% APR, up to 18.00%
Terms
Variable APR for purchases based on Prime Rate.
Credit card score 69 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 18.00%
12.99% APR, up to 18.00%
Terms
Variable APR based on Prime Rate published in WSJ on the last business day of the prior month. Initial APR ranges from 12.99% to 18.00% based on creditworthiness. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee, no cash advance fee and no foreign transaction fee. Balance transfers are subject to a 3% fee on the transaction amount. Rate current as of 10/21/26 on rate sheet; product page states as of 10/01/26.
Credit card score 67 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
APR starting at / as low as 12.99%. Credit limit up to $25,000. No annual fee, no minimum finance charges, no foreign transaction fees, no cash advance fee, and no balance transfer fee (balance transfer fees may apply during promotions).
Credit card score 67 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as
Terms
Variable rate of Wall Street Prime + 6% (13.00%). Minimum monthly payment: 2.5% of total new balance or $25, whichever is greater. No interest on purchase balances paid within 25 days of statement closing dates. Maximum financed $30,000. Rewards points.
Credit card score 66 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 13.25%APRas low as
Terms
Variable APR based on Prime Rate plus 6.25% margin; applies to purchases, balance transfers, and cash advances. No annual fee. Minimum interest charge if charged is no less than $1.00.
Credit card score 66 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 18.49%
13.49% APR, up to 18.49%
Terms
Variable APR based on the Prime Rate and creditworthiness. Applies to purchases, balance transfers, and cash advances. No annual fee, foreign transaction fee, balance transfer fee, or cash advance fee.
Credit card score 66 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as
Terms
Fixed APR of 13.50% for purchases, balance transfers, and cash advances. 25-day grace period on purchases when paid in full each month within 25 days of statement closing date. Interest begins on transaction date for cash advances and balance transfers.
Credit card score 64 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 65 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 20.74%
13.74% APR, up to 20.74%
Terms
Variable APR (NOR version).
Credit card score 65 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 21.74%
13.74% APR, up to 21.74%
Terms
Standard purchase rate based on creditworthiness; variable with market based on Prime Rate.
Credit card score 65 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 13.90%APRas low as · up to 18.00%
13.90% APR, up to 18.00%
Terms
Variable ongoing APR based on the highest Prime Rate in WSJ Money Rates; maximum APR is 18.00%.
Credit card score 64 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Credit limit up to $10,000.00. APR based on applicant's credit and term of loan. Rate subject to change.
Credit card score 63 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Variable APR for Purchases determined monthly by adding 6.99% margin to Prime Rate (7.00% as of September 17, 2026). Introductory $0 annual fee for the first year, after that $450 (waived for eligible Wealth clients).
Credit card score 61 · Carrot Score 60
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 Washington, DC-VA-MD-WV metro
70 banks and credit unions · checked Oct 16–22
- Typical
- 11.62%
- Top 10% up to
- 8.98%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.90%
How does your bank’s rate compare?
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Washington, DC-VA-MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 9 branches
- Hanscom Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 2 branches