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 1–14 of 14 in California · median 16.37% APR
- 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 63
Rate checked · Credit cards rates on its site
More details - 13.50%APRas low as · up to 22.50%
13.50% APR, up to 22.50%
Terms
Thereafter, variable APR ranges from 13.50% to 22.50% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026.
Credit card score 65 · Carrot Score 63
Rate checked · Credit cards rates on its site
More details - 13.74%APRas low as · up to 21.74%
13.74% APR, up to 21.74%
Terms
Variable regular APR for purchases based on creditworthiness and prime rate (up to 24.99%).
Credit card score 65 · Carrot Score 72
Rate checked · Credit cards rates on its site
More details - 13.99%APRas low as
Terms
Ongoing variable APR: Prime + 6.99%, rate cap 21.00%.
Credit card score 63
Rate checked · Credit cards rates on its site
More details - UMB BankUMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card · No annual fee
Bank · 7 branches
14.49%APRas low asTerms
After the first 12 months, 14.49% variable APR based on prime rate.
Credit card score 63 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 14.92%APRas low as
Terms
Grace period of at least 25 days on purchases when paying the entire balance by the due date. No annual fee. Late payment fee: 5% of payment due or maximum $10. Includes platinum travel and concierge benefits.
Credit card score 62
Rate checked · Credit cards rates on its site
More details - 16.00%APRas low as
Terms
Fixed APR for Purchases is 16.00% (monthly periodic rate of 1.3333%). No annual fee.
Credit card score 61
Rate checked · Credit cards rates on its site
More details - 16.74%APRas low as
Terms
Purchase APR is variable (Prime Rate of 6.75% + 9.74% margin, max 22.99%).
Credit card score 61 · Carrot Score 82
Rate checked · Credit cards rates on its site
More details - 17.74%APRas low as · up to 28.49%
17.74% APR, up to 28.49%
Terms
17.74%, 24.24% or 28.49% variable APR thereafter.
Credit card score 60 · Carrot Score 63
Rate checked · Credit cards rates on its site
More details - 18.49%APRas low as · up to 27.99%
18.49% APR, up to 27.99%
Terms
Variable APR
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
More details - 18.74%APRas low as · up to 27.74%
18.74% APR, up to 27.74%
Terms
Variable purchase APR based on your creditworthiness.
Credit card score 60 · Carrot Score 82
Rate checked · Credit cards rates on its site
More details - 18.74%APRas low as · up to 29.74%
18.74% APR, up to 29.74%
Terms
Variable APR of 18.74% to 29.74% on Purchases and Balance Transfers after the introductory period based on the Prime Rate. Accurate as of 10/6/2026.
Credit card score 60
Rate checked · Credit cards rates on its site
More details - 18.75%APRas low as · up to 22.75%
18.75% APR, up to 22.75%
Terms
Variable APR based on creditworthiness
Credit card score 60 · Carrot Score 64
Rate checked · Credit cards rates on its site
More details - 18.99%APRas low as · up to 26.99%
18.99% APR, up to 26.99%
Terms
Variable APR for purchases and balance transfers is 18.99% - 26.99% based on creditworthiness. $0 annual fee with active Costco membership.
Credit card score 60 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details
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 California
14 banks and credit unions · checked Oct 22–31
- Typical
- 16.37%
- Top 10% up to
- 13.57%
- Banks, typical
- 16.37%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Star One Credit UnionCredit union · 6 branches
- America First Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches