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 151–165 of 172 in California · median 10.99% APR
- Ukrainian Federal Credit UnionUFCU Everyday Rewards Visa Card · No annual fee
Credit union · 2 branches
13.50%APRas low as · up to 18.00%13.50% APR, up to 18.00%
Terms
For purchases and balance transfers. Starting as low as Prime + 6.5%.
Credit card score 65 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 13.65%APRas low as · up to 26.65%
13.65% APR, up to 26.65%
Terms
Variable rate based on creditworthiness and varies with the market based on prime rate.
Credit card score 65 · Carrot Score 76
Rate checked · Credit cards rates on its site
More details - 13.74%APRas low as · up to 17.50%
13.74% APR, up to 17.50%
Terms
Estimated payment is 3% of balance ($25 minimum). $0 balance transfer fee and $0 cash advance fee. Variable rate based on Prime Index.
Credit card score 65 · Carrot Score 76
Rate checked · Credit cards rates on its site
More details - 13.74%APRas low as
Terms
Variable APR as low as 13.74% based on creditworthiness. 25-day grace period on all purchases. Cash advance fee and balance transfer fee: $5.00 or 2.50% of the amount, whichever is greater.
Credit card score 65 · Carrot Score 87
Rate checked · Credit cards rates on its site
More details - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable APR on balance transfers thereafter. Quoted rates available as of 10/24/2026. Balance transfer fee 3%.
Credit card score 65 · Carrot Score 63
Rate checked · Credit cards rates on its site
More details - Sierra Central Credit UnionPremier Rewards (Cash Back) VISA® · No annual fee
Credit union · 18 branches
13.74%APRas low as · up to 19.99%13.74% APR, up to 19.99%
Terms
Standard variable APR after the introductory period, based on the Prime Rate plus a margin. Stated APR as low as 13.74% up to 19.99%. No annual fee.
Credit card score 65 · Carrot Score 79
Rate checked · Credit cards rates on its site
More details - 13.90%APRas low as
Terms
As low as 13.90% APR fixed rate. Cash advances and balance transfers for the same low rate. Rate based on creditworthiness. No penalty rates. No annual fee, no cash advance fee, free balance transfers.
Credit card score 64 · Carrot Score 84
Rate checked · Credit cards rates on its site
More details - 14.00%APRas low as
Terms
Ongoing variable rate for purchases: WSJ Prime Rate + 7%. Rate determined by individual credit score; as low as rate includes credit score of 760 or above. Range 14.00% - 15.00%.
Credit card score 63 · Carrot Score 87
Rate checked · Credit cards rates on its site
More details - 14.15%APRas low as · up to 19.15%
14.15% APR, up to 19.15%
Terms
Variable APR for new purchases after 6 months (14.15% to 19.15%), indexed to Prime Rate based on creditworthiness.
Credit card score 63 · Carrot Score 94
Rate checked · Credit cards rates on its site
More details - 14.24%APRas low as · up to 36.00%
14.24% APR, up to 36.00%
Terms
Variable standard rate based on credit score. After six months, variable APR starting between 14.24% and 36.00% on new purchases and balance transfers.
Credit card score 63 · Carrot Score 81
Rate checked · Credit cards rates on its site
More details - 14.24%APRas low as · up to 20.24%
14.24% APR, up to 20.24%
Terms
Purchase APR varies based on creditworthiness (14.24%, 15.24%, 16.24%, 17.24%, or 20.24%). Variable rate based on Prime Rate. No annual fee.
Credit card score 63 · Carrot Score 66
Rate checked · Credit cards rates on its site
More details - 14.74%APRas low as
Terms
Variable APR determined by adding a margin of 7.74% to the Prime Rate (6.75% as of 03/01/2026); maximum APR 18%. Rate applies to purchases, post-introductory balance transfers, and cash advances.
Credit card score 63 · Carrot Score 79
Rate checked · Credit cards rates on its site
More details - 14.88%APRas low as
Terms
Cash Back – Annual Fee. Variable rate APR is subject to change and may vary depending on evaluation of credit history.
Credit card score 62 · Carrot Score 74
Rate checked · Credit cards rates on its site
More details - 14.90%APRas low as
Terms
APR is as low as 14.90% based on creditworthiness. Credit line up to $5,000. No annual fee, no balance transfer fee, no minimum finance charge.
Credit card score 62 · Carrot Score 76
Rate checked · Credit cards rates on its site
More details - 15.00%APRas low as
Terms
Credit Limit $500-$25,000
Credit card score 62 · Carrot Score 69
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