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 172 in California · median 10.99% APR
- 6.90%APRas low as · up to 14.50%
6.90% APR, up to 14.50%
Terms
Credit line $5,000.00 to $25,000.00.
Credit card score 97 · Carrot Score 99
Rate checked · Credit cards rates on its site
More details - 6.95%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate is as low as advertised for qualified borrowers based on creditworthiness and underwriting factors; includes a 1.00% discount when eligible products and services are added.
Credit card score 97 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - American Broadcast Employees FCUVISA Rewards / VISA Platinum · No annual fee
Credit union · 3 branches
6.99%APRas low asTerms
Special Balance Transfer Offer: 6.99% APR for the life of the transfer. No balance transfer fees. Restrictions apply.
Credit card score 96 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 7.45%APRas low as · up to 17.99%
7.45% APR, up to 17.99%
Terms
Regular variable APR based on creditworthiness. Prime Rate is 7.00% as of 10/01/2026.
Credit card score 95 · Carrot Score 79
Rate checked · Credit cards rates on its site
More details - 7.75%APRas low as
Terms
Ongoing APR for purchases, balance transfers, and cash advances. Based on credit qualification; one of the stated Platinum tiers. Fees and APR apply to new cards only.
Credit card score 95 · Carrot Score 99
Rate checked · Credit cards rates on its site
More details - 7.90%APRas low as · up to 17.90%
7.90% APR, up to 17.90%
Credit card score 94 · Carrot Score 92
Rate checked · Credit cards rates on its site
More details - Sheet Metal Workers Local 104 Federal Credit UnionVisa® Platinum · No annual fee
Credit union · 1 branch
7.90%APRas low asTerms
Rates as low as 7.90% APR. No annual, balance transfer, or cash advance fees. No over credit limit fee.
Credit card score 94 · Carrot Score 83
Rate checked · Credit cards rates on its site
More details - 7.98%APRas low as
Terms
APR As low as 7.98%. Terms up to $25,000 credit limit. No Annual Fee. Preferred rate is with a FICO score of 720 or above. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. No additional discounts may be applied.
Credit card score 94 · Carrot Score 92
Rate checked · Credit cards rates on its site
More details - 7.99%APRas low as · up to 16.99%
7.99% APR, up to 16.99%
Terms
Actual APR is based on borrower's creditworthiness and is subject to change. Subject to approval. Membership required with at least $5.00 in Membership Savings.
Credit card score 93 · Carrot Score 90
Rate checked · Credit cards rates on its site
More details - 8.48%APRas low as
Terms
Lowest available APR; actual APR depends on creditworthiness and individual circumstances. Same APR applies to purchases, balance transfers, and cash advances.
Credit card score 89 · Carrot Score 95
Rate checked · Credit cards rates on its site
More details - 8.49%APRas low as · up to 19.90%
8.49% APR, up to 19.90%
Terms
Rate depends on creditworthiness. Credit limits up to $30,000. No interest accrued on purchases if paid in full within 25 days of statement date.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 8.88%APRas low as
Terms
Base rates as low as 8.88%. Rates adjusted based on Transunion Vantage Score.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as
Terms
Non-variable APR for purchases, balance transfers, and cash advances. Minimum interest charge is $1.00 if charged interest.
Credit card score 89 · Carrot Score 98
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as · up to 17.90%
8.90% APR, up to 17.90%
Terms
Non-Variable Annual Percentage Rate for Purchases based on credit worthiness.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as
Terms
8.9% Annual Percentage Rate for purchases and cash advances. No Annual Fee. No fee for balance transfers.
Credit card score 89 · Carrot Score 70
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
172 banks and credit unions · checked Oct 30–31
- Typical
- 10.99%
- Top 10% up to
- 8.95%
- Credit unions, typical
- 10.99%
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