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 46–60 of 89 in Illinois · median 10.00% APR
- 10.40%APRas low as · up to 15.40%
10.40% APR, up to 15.40%
Terms
Variable APR based on prime rate; 10.40% - 15.40% APR for purchases and cash advances. No annual fee. $0 fee on non-promotional balance transfers.
Credit card score 81 · Carrot Score 87
Rate checked · Credit cards rates on its site
More details - 10.49%APRas low as · up to 14.49%
10.49% APR, up to 14.49%
Terms
Variable rates of 10.49% to 14.49% (3.49% + Prime or 7.49% + Prime). Rates and terms determined by applicant's credit rating.
Credit card score 81 · Carrot Score 94
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 creditworthiness; tied to the U.S. Prime Rate.
Credit card score 81 · Carrot Score 86
Rate checked · Credit cards rates on its site
More details - 10.65%APRas low as · up to 20.65%
10.65% APR, up to 20.65%
Terms
Rates schedule APR for Purchases: 10.65% (table) / 10.65% to 20.65% (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 85
Rate checked · Credit cards rates on its site
More details - 10.70%APRas low as · up to 19.70%
10.70% APR, up to 19.70%
Terms
Variable APR based on creditworthiness, equal to Prime plus 3.70% - 12.70%. Prime Rate is 7.00% as of 9/17/2026. 25-day grace period on purchases.
Credit card score 81 · Carrot Score 74
Rate checked · Credit cards rates on its site
More details - American Airlines Federal Credit UnionVisa Platinum Low Rate · No annual fee
Credit union · 4 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 - 10.80%APRas low as · up to 18.00%
10.80% APR, up to 18.00%
Terms
Rate is 10.80%, 13.80%, 15.90%, or 18.00%, based on creditworthiness.
Credit card score 80 · Carrot Score 72
Rate checked · Credit cards rates on its site
More details - 10.90%APRas low as · up to 19.90%
10.90% APR, up to 19.90%
Terms
Variable APR for purchases based on creditworthiness (Prime + 3.9%-12.9%).
Credit card score 79 · Carrot Score 82
Rate checked · Credit cards rates on its site
More details - 10.90%APRas low as
Terms
Variable APR based on Prime + 3.90% APR. No annual fee.
Credit card score 79 · Carrot Score 71
Rate checked · Credit cards rates on its site
More details - 10.90%APRas low as
Credit card score 79 · Carrot Score 73
Rate checked · Credit cards rates on its site
More details - 11.75%APRas low as
Credit card score 75 · Carrot Score 81
Rate checked · Credit cards rates on its site
More details - 11.80%APRas low as
Terms
Fixed rate. Minimum $5,000 credit limit. No annual fee, no balance transfer fee, no cash advance fee or higher rate for cash advances.
Credit card score 75 · Carrot Score 82
Rate checked · Credit cards rates on its site
More details - 11.88%APRas low as
Terms
Fixed low interest rate. Balance transfer programs and specials are available during the year.
Credit card score 75 · Carrot Score 62
Rate checked · Credit cards rates on its site
More details - 11.90%APRas low as
Credit card score 74 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 11.90%APRas low as · up to 18.24%
11.90% APR, up to 18.24%
Terms
Annual Percentage Rate (APR) for Purchases: 11.65%, 12.65%, 13.65%, 16.65%, or 17.99% depending on your credit history. Variable based on the Prime Rate. $0 annual fee. (Note: Comparison table on page p75 mentions 13.40% – 17.99%).
Credit card score 74 · Carrot Score 89
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 Illinois
89 banks and credit unions · checked Nov 6–7
- Typical
- 10.00%
- Top 10% up to
- 8.90%
- Credit unions, typical
- 10.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Illinois
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- Acme Continental Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches