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 76–89 of 89 in Illinois · median 10.00% APR
- 12.99%APRas low as
Terms
Competitive variable rate as low as 12.99%; 25 day grace period on purchases; Credit Line up to $25,000.00.
Credit card score 67 · Carrot Score 75
Rate checked · Credit cards rates on its site
More details - 13.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Eligible to qualified full-house members (defined as members who maintain a share draft and debit card account). Rates pertain to any new loan business on or after 03/01/2025, not previous loans.
Credit card score 66 · Carrot Score 62
Rate checked · Credit cards rates on its site
More details - 13.00%APRas low as
Terms
Variable rate quoted as low as 13.00% APR. Same rate for both purchases, balance transfers, and cash advances. Rate based on creditworthiness and term of loan.
Credit card score 66 · Carrot Score 77
Rate checked · Credit cards rates on its site
More details - 13.30%APRas low as
Terms
Variable APR based on Prime Rate; 'as low as' rate. No annual fee. 25-day grace period on purchases.
Credit card score 66 · Carrot Score 87
Rate checked · Credit cards rates on its site
More details - 13.44%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Credit card score 66 · Carrot Score 68
Rate checked · Credit cards rates on its site
More details - 13.50%APRas low as · up to 16.00%
13.50% APR, up to 16.00%
Terms
Depending on credit worthiness.
Credit card score 65 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 13.90%APRas low as · up to 22.90%
13.90% APR, up to 22.90%
Terms
Standard variable APR for purchases based on credit history and Prime Rate. No balance transfers allowed.
Credit card score 64 · Carrot Score 78
Rate checked · Credit cards rates on its site
More details - 14.25%APRas low as · up to 22.25%
14.25% APR, up to 22.25%
Terms
Variable APR based on creditworthiness; varies with the market based on the Prime Rate.
Credit card score 63 · Carrot Score 78
Rate checked · Credit cards rates on its site
More details - 14.99%APRas low as
Terms
Rates start as low as published rate; subject to credit score and overall creditworthiness. Rate applies to purchases, balance transfers, and cash advances. No transaction fees for balance transfers or cash advances. Foreign transaction fees apply. Rate is variable.
Credit card score 62 · Carrot Score 68
Rate checked · Credit cards rates on its site
More details - 14.99%APRas low as
Terms
Must be a credit union member for at least 6 months. $10.00 Application Fee (for credit report).
Credit card score 62 · Carrot Score 60
Rate checked · Credit cards rates on its site
More details - 14.99%APRas low as · up to 16.50%
14.99% APR, up to 16.50%
Terms
Non-variable APR. Same low rate for purchases, balance transfers, and cash advances. Subject to credit approval. 2.0% balance transfer fee applies.
Credit card score 62 · Carrot Score 83
Rate checked · Credit cards rates on its site
More details - 15.24%APRas low as
Terms
Variable rate with no annual fee. Rates shown are the lowest rates offered.
Credit card score 62 · Carrot Score 87
Rate checked · Credit cards rates on its site
More details - 16.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Ongoing regular APR based on creditworthiness. Rate includes all possible discounts.
Credit card score 61 · Carrot Score 79
Rate checked · Credit cards rates on its site
More details - 18.00%APRas low as
Terms
Standard variable APR as low as 18.000% based on credit history, collateral, and loan characteristics.
Credit card score 60 · Carrot Score 83
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