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 61–75 of 172 in California · median 10.99% APR
- 9.99%APRas low as
Credit card score 82 · Carrot Score 71
Rate checked · Credit cards rates on its site
More details - 10.24%APRas low as
Terms
Low variable rate.
Credit card score 82 · Carrot Score 79
Rate checked · Credit cards rates on its site
More details - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; tied to the U.S. Prime Rate.
Credit card score 82 · Carrot Score 87
Rate checked · Credit cards rates on its site
More details - Long Beach City Employees Federal Credit UnionSimple Credit Card · No annual fee
Credit union · 1 branch
10.25%APRas low as · up to 18.00%10.25% APR, up to 18.00%
Terms
Regular purchase APR is variable (10.25% to 18.00%) and subject to credit approval based on underwriting factors.
Credit card score 81 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 10.25%APRas low as · up to 17.45%
10.25% APR, up to 17.45%
Terms
Variable APR as of 04/07/2026. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on creditworthiness. Applies to Purchases. Amount $300 - $50,000. (Table row lists 02/26/2026 while rates header and footnote 1 state effective 04/07/2026).
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
More details - 10.40%APRas low as · up to 16.40%
10.40% APR, up to 16.40%
Terms
Variable APR for purchases, balance transfers, and cash advances based on creditworthiness.
Credit card score 81 · Carrot Score 80
Rate checked · Credit cards rates on its site
More details - 10.49%APRas low as · up to 18.00%
10.49% APR, up to 18.00%
Terms
Based on your credit worthiness when you open your account. Varies with the market based on the Prime Rate. No annual fee.
Credit card score 81 · Carrot Score 80
Rate checked · Credit cards rates on its site
More details - 10.49%APRas low as · up to 18.00%
10.49% APR, up to 18.00%
Terms
Variable APR based on Prime Rate (10.49% to 18.00%) for purchases, balance transfers, and cash advances depending on creditworthiness. Maximum credit limit up to $50,000. No annual fee.
Credit card score 81 · Carrot Score 84
Rate checked · Credit cards rates on its site
More details - 10.49%APRas low as · up to 18.24%
10.49% APR, up to 18.24%
Terms
Variable APR based on the Prime Rate. Rate determined by creditworthiness and individual qualifications. Applies to purchases, balance transfers, and cash advances. 25-day grace period on purchases.
Credit card score 81 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 10.50%APRas low as
Terms
Rates based on a FICO score 720 or above and subject to change. Rates as low as; good payment history with other creditors, and DTI under 55%.
Credit card score 81 · Carrot Score 80
Rate checked · Credit cards rates on its site
More details - 10.65%APRas low as · up to 17.65%
10.65% APR, up to 17.65%
Terms
APR is based on creditworthiness at the time account is established and varies with the market based on the Prime Rate. CU SoCal credit cards feature no annual fee and a 25-day grace period on all purchases when balance is paid in full each month. 2% balance transfer fee. Aggregate maximum unsecured loan limit not to exceed $50,000. Est. payment: 3% of balance.
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
More details - 10.65%APRas low as · up to 20.40%
10.65% APR, up to 20.40%
Terms
Rates schedule APR for Purchases: 10.65% (table) / 10.40% to 20.40% (caption), when you open your account, based on creditworthiness. Variable with market based on Prime Rate. $0 annual fee.
Credit card score 81 · Carrot Score 86
Rate checked · Credit cards rates on its site
More details - American Airlines Federal Credit UnionVisa Platinum Low Rate · No annual fee
Credit union · 3 branches
10.75%APRas low as · up to 18.00%10.75% APR, up to 18.00%
Terms
Based on creditworthiness; variable rate based on Prime Rate.
Credit card score 81 · Carrot Score 94
Rate checked · Credit cards rates on its site
More details - 10.75%APRas low as
Terms
Credit lines up to $25,000
Credit card score 81 · Carrot Score 94
Rate checked · Credit cards rates on its site
More details - 10.75%APRas low as · up to 15.75%
10.75% APR, up to 15.75%
Terms
Variable APR based on creditworthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate. Same low rate on purchases and cash advances.
Credit card score 81 · Carrot Score 88
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