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 1–15 of 140 in Pennsylvania · median 10.00% APR
- 6.75%APRas low as · up to 18.00%
6.75% APR, up to 18.00%
Terms
APR is non-variable and based on creditworthiness when you open your account. No annual fee. Earns 1 point per $1 spent with uChoose Rewards.
Credit card score 98 · Carrot Score 91
Rate checked · Credit cards rates on its site
More details - 6.90%APRas low as
Terms
Rates are based on creditworthiness, so your rate offered may differ. Loans may be subject to other terms and conditions.
Credit card score 97 · Carrot Score 86
Rate checked · Credit cards rates on its site
More details - 7.99%APRas low as · up to 17.99%
7.99% APR, up to 17.99%
Terms
For qualified buyers. Rates are based on creditworthiness and the term of the loan. Rates are subject to change at any time and are not guaranteed.
Credit card score 93 · Carrot Score 92
Rate checked · Credit cards rates on its site
More details - 7.99%APRas low as · up to 15.74%
7.99% APR, up to 15.74%
Terms
Fixed APR based on creditworthiness.
Credit card score 93 · Carrot Score 82
Rate checked · Credit cards rates on its site
More details - 8.75%APRas low as · up to 18.00%
8.75% APR, up to 18.00%
Terms
Applies on purchases, balance transfers, and cash advances following 12 complete monthly statement cycles. Rate is variable based on the Wall Street Journal Prime Rate plus or minus margin as disclosed in credit agreement, not to exceed 18%.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as
Terms
Rate is non-variable and based on creditworthiness and other underwriting criteria; the APR received may differ from the rate shown. Credit limits range from $250 to $25,000. No balance transfer fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as
Terms
Annual Percentage Rate for purchases, cash advances, and balance transfers. Rate as low as 8.90% APR based on creditworthiness.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR for purchases, balance transfers, and cash advances. Rates illustrated reflect a 0.25% discount for having Credit Union checking account with direct deposit of $500 or more each month. Actual loan rate will be determined from credit score.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as
Terms
Standard APR from the Credit Cards rate table; transaction type not specified.
Credit card score 89 · Carrot Score 95
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as · up to 16.90%
8.90% APR, up to 16.90%
Terms
Standard APR on unpaid balance based on creditworthiness. 8.90% APR listed as lowest rate as of November 1, 2026. No annual fee, no cash advance or domestic transaction fees. No interest charged on purchases if paid within 25 days of statement date. 1% foreign transaction fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - Penn State Federal Credit UnionPlatinum Visa Rewards Credit Card · No annual fee
Credit union · 2 branches
8.90%APRas low as · up to 17.90%8.90% APR, up to 17.90%
Terms
APR is determined by credit history and creditworthiness. 25-day grace period.
Credit card score 89 · Carrot Score 85
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as · up to 15.40%
8.90% APR, up to 15.40%
Terms
Rates determined by creditworthiness. Non-adjustable fixed rate.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 8.99%APRas low as
Terms
Standard non-variable APR for purchases.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 8.99%APRas low as
Credit card score 88 · Carrot Score 94
Rate checked · Credit cards rates on its site
More details - 8.99%APRas low as
Terms
Fixed rate of 8.99% APR applies to purchases, cash advances, and balance transfers for the life of the balance.
Credit card score 88 · Carrot Score 86
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 Pennsylvania
140 banks and credit unions · checked Nov 6–7
- Typical
- 10.00%
- Top 10% up to
- 8.99%
- 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.
Pennsylvania
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Freedom Credit UnionCredit union · 4 branches
- APCI Federal Credit UnionCredit union · 1 branch
- Corner PostCredit union · 1 branch