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 Ohio · median 14.50% APR
- 12.50%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Competitive interest rate of 12.50% APR fixed APR for Purchases. No annual fee. Earn Scorecard Rewards points.
Credit card score 70 · Carrot Score 66
Rate checked · Credit cards rates on its site
More details - 12.74%APRas low as · up to 17.74%
12.74% APR, up to 17.74%
Terms
Regular variable APR on purchases and balance transfers based on creditworthiness (Prime + 5.99% or Prime + 10.99%).
Credit card score 69 · Carrot Score 71
Rate checked · Credit cards rates on its site
More details - 12.74%APRas low as · up to 20.74%
12.74% APR, up to 20.74%
Terms
After the introductory period, a variable APR, currently Prime + 5.74% to Prime + 13.74% applies, based on creditworthiness.
Credit card score 69 · Carrot Score 75
Rate checked · Credit cards rates on its site
More details - 12.90%APRas low as
Terms
Standard variable APR after the first six months. Determined using Prime Rate plus a margin of 5.90%.
Credit card score 68
Rate checked · Credit cards rates on its site
More details - 12.90%APRas low as
Terms
Fixed rate. Annual fee of $35.00 is waived if applicant has an account with First National Bank.
Credit card score 65 · Carrot Score 66
Rate checked · Credit cards rates on its site
More details - 13.49%APRas low as
Terms
Rates for purchases will adjust to 14.99% APR after the Intro period. Calculated as Prime Rate (7.00% as of 9/17/2026) + 6.49% margin (Maximum APR 24.00%).
Credit card score 66
Rate checked · Credit cards rates on its site
More details - 13.99%APRas low as
Terms
Variable APR based on the Prime Rate plus 6.99%.
Credit card score 61 · Carrot Score 61
Rate checked · Credit cards rates on its site
More details - 15.00%APRas low as
Terms
Card limit of $5,000 or greater. Regular variable rate determined based on Wall Street Journal Prime + 8%.
Credit card score 62 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 15.74%APRas low as · up to 23.74%
15.74% APR, up to 23.74%
Credit card score 61 · Carrot Score 60
Rate checked · Credit cards rates on its site
More details - 16.49%APRas low as
Terms
Variable purchase interest rate as low as 16.49% Annual Percentage Rate. Available for those that qualify for a credit line of up to $4,999.
Credit card score 61 · Carrot Score 72
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 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 - 19.00%APRas low as · up to 25.00%
19.00% APR, up to 25.00%
Terms
Variable APR based on creditworthiness. Variable rate indexed to Wall Street Journal Prime Rate.
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
More details - 20.74%APRas low as · up to 27.74%
20.74% APR, up to 27.74%
Terms
Variable purchase APR based on the Prime Rate and creditworthiness.
Credit card score 60 · Carrot Score 60
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 Ohio
14 banks and credit unions · checked Oct 7–30
- Typical
- 14.50%
- Top 10% up to
- 12.74%
- Banks, typical
- 14.50%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Ohio
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 7 17 Credit UnionCredit union · 16 branches
- Homeland Credit UnionCredit union · 5 branches
- Wright-Patt Credit UnionCredit union · 41 branches