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 16 in Illinois · median 15.36% APR
- 7.99%APRas low as
Terms
Variable rate set at Prime with floor of 7.99%. Grace period on purchases. Earn Rewards – $0.01 for every $1 charged.
Credit card score 93 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 11.00%APRas low as
Terms
Variable rate based on Prime Rate + 4.0% margin.
Credit card score 77 · Carrot Score 68
Rate checked · Credit cards rates on its site
More details - 11.74%APRas low as · up to 21.74%
11.74% APR, up to 21.74%
Terms
Variable APR on purchases based on creditworthiness.
Credit card score 75
Rate checked · Credit cards rates on its site
More details - 12.00%APRas low as
Terms
As low as 12% Variable APR. Subject to credit approval; APR based on credit history. High credit limit up to $20,000. 25-day grace period. No annual fee. No over-limit fee. Cash advances available.
Credit card score 72 · Carrot Score 69
Rate checked · Credit cards rates on its site
More details - 12.74%APRas low as · up to 22.74%
12.74% APR, up to 22.74%
Terms
Competitive variable APR from 8.99% to 18.99% after the first 12 billing cycles, determined by adding a margin to the highest U.S. Prime Rate published in the Wall Street Journal (based on a 3.25% Prime Rate).
Credit card score 69 · Carrot Score 72
Rate checked · Credit cards rates on its site
More details - 13.99%APRas low as
Terms
APR for purchases, balance transfers, and cash advances. Subject to credit approval.
Credit card score 64 · Carrot Score 73
Rate checked · Credit cards rates on its site
More details - 14.00%APRas low as
Terms
After the introductory period, rate is determined based on the highest prime rate published in the Money Rates section of the Wall Street Journal ("Index") plus a margin of 7.00 percentage points and rounded to the nearest hundredth divisible by twelve.
Credit card score 63 · Carrot Score 60
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
14.74%APRas low asTerms
After the first 12 months, 14.74% variable APR based on prime rate.
Credit card score 63 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 15.99%APRas low as · up to 25.74%
15.99% APR, up to 25.74%
Terms
Variable APR after the introductory period.
Credit card score 61
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 61 · Carrot Score 63
Rate checked · Credit cards rates on its site
More details - 17.99%APRas low as · up to 27.99%
17.99% APR, up to 27.99%
Terms
Variable APR of 17.99% - 27.99% on all purchases and balance transfers.
Credit card score 60 · Carrot Score 60
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 - 18.99%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 Illinois
16 banks and credit unions · checked Oct 22–Nov 6
- Typical
- 15.36%
- Top 10% up to
- 11.37%
- Banks, typical
- 15.36%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Illinois
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- Acme Continental Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches