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 76–90 of 172 in California · median 10.99% APR
- 10.75%APRas low as
Terms
Variable APR. Credit limit $1,000 to $15,000.
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
More details - 10.75%APRas low as · up to 18.00%
10.75% APR, up to 18.00%
Terms
Rate based on creditworthiness. No annual fee.
Credit card score 81 · Carrot Score 71
Rate checked · Credit cards rates on its site
More details - 10.90%APRas low as
Terms
Qualifying credit score tier: 730+
Credit card score 79 · Carrot Score 70
Rate checked · Credit cards rates on its site
More details - 10.90%APRas low as · up to 18.00%
10.90% APR, up to 18.00%
Terms
Fixed rate as low as 10.90% APR based on approved credit. Actual rate may be higher depending on credit rating and underwriting factors up to 18.00% APR.
Credit card score 79 · Carrot Score 79
Rate checked · Credit cards rates on its site
More details - 10.90%APRas low as
Terms
As low as 10.90% APR. Rates determined by creditworthiness.
Credit card score 79 · Carrot Score 68
Rate checked · Credit cards rates on its site
More details - 10.95%APRas low as · up to 18.00%
10.95% APR, up to 18.00%
Terms
Rate based on creditworthiness for purchases. Fixed rate.
Credit card score 79 · Carrot Score 80
Rate checked · Credit cards rates on its site
More details - 10.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Current lowest rate based on approved credit. Actual rate may be different based on terms, conditions, and credit history. Best rates include all available discounts (0.50% discount exclusion applies to Visa).
Credit card score 78 · Carrot Score 73
Rate checked · Credit cards rates on its site
More details - 10.99%APRas low as
Terms
Credit limit: $500 Minimum up to $25,000 Maximum
Credit card score 78 · Carrot Score 67
Rate checked · Credit cards rates on its site
More details - 10.99%APRas low as
Terms
Annual Percentage Rate (APR) for Purchases as low as 10.99%. No annual fee. 25-day grace period on purchases.
Credit card score 78 · Carrot Score 83
Rate checked · Credit cards rates on its site
More details - 10.99%APRas low as · up to 12.99%
10.99% APR, up to 12.99%
Terms
Rate based on creditworthiness. Rate as low as 10.99% APR.
Credit card score 78 · Carrot Score 79
Rate checked · Credit cards rates on its site
More details - 10.99%APRas low as
Terms
Fixed rate. No cash advance fee. No balance transfer fee. Rates as low as 10.99% APR.
Credit card score 78 · Carrot Score 75
Rate checked · Credit cards rates on its site
More details - 10.99%APRas low as
Terms
Rates starting at; Qualifying conditions apply
Credit card score 78 · Carrot Score 76
Rate checked · Credit cards rates on its site
More details - 11.00%APRas low as · up to 15.00%
11.00% APR, up to 15.00%
Terms
Variable APR as of September 17, 2026. Rate adjusts quarterly and equals Prime Rate plus 4.00% to 8.00% depending on creditworthiness. Max credit limit $25,000. No annual fee.
Credit card score 77 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 11.15%APRas low as · up to 17.15%
11.15% APR, up to 17.15%
Terms
Variable rate subject to change after account opening; tied to Prime Rate published in WSJ plus margin and adjusted quarterly.
Credit card score 77 · Carrot Score 83
Rate checked · Credit cards rates on its site
More details - 11.49%APRas low as
Terms
Variable APR based on Prime Rate index plus margin. No annual fees. Visa Platinum requires a $6,000 minimum limit. Maximum APR of 18%.
Credit card score 76 · Carrot Score 99
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