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 31–34 of 34 in Arizona · median 11.49% APR
- 15.00%APRas low as
Terms
Variable APR as low as 15.00%. Rates are accurate as of November 1, 2026. APR varies with the market based on Prime Rate. Subject to approval.
Credit card score 62 · Carrot Score 84
Rate checked · Credit cards rates on its site
More details - 15.99%APRas low as
Terms
Rates as low as 15.99% APR. Subject to credit approval.
Credit card score 61 · Carrot Score 83
Rate checked · Credit cards rates on its site
More details - 16.90%APRas low as
Terms
Featured rate as low as stated. Rates Subject to Change.
Credit card score 61 · Carrot Score 86
Rate checked · Credit cards rates on its site
More details - PenFed Credit UnionPenFed Defender Rewards Visa Signature Card · No annual fee
Credit union · 1 branch
17.99%APRas low asTerms
Ongoing purchase variable APR.
Credit card score 60 · Carrot Score 96
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 Arizona
34 banks and credit unions · checked Oct 30–Nov 6
- Typical
- 11.49%
- Top 10% up to
- 8.99%
- Credit unions, typical
- 11.49%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Arizona
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 9 branches
- ICCUCredit union · 2 branches
- Goldwater BankBank · 2 branches