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 1–8 of 8 in Blacksburg, VA metro · median 13.12% APR
- National Bank of BlacksburgPreferred Customer Account Mastercard Gold Card · No annual fee
Bank · 14 branches
9.00%APRas low asTerms
Fixed annual percentage rate computed by applying a periodic rate of 0.75% per month for extensions of credit for goods and services. No annual fee or minimum interest charge. Credit limits start at $5,000.
Credit card score 88 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Low fixed rate.
Credit card score 72 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as · up to 18.00%
12.24% APR, up to 18.00%
Terms
Standard variable APR for purchases depending on credit history; varies with market based on Prime Rate.
Credit card score 71 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 17.99%
12.49% APR, up to 17.99%
Terms
Purchase rate for VCU Black & Gold Essential Mastercard option. Variable rate based on prime.
Credit card score 70 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 65 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Variable APR for Purchases determined monthly by adding 6.99% margin to Prime Rate (7.00% as of September 17, 2026). Introductory $0 annual fee for the first year, after that $450 (waived for eligible Wealth clients).
Credit card score 61 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as · up to 28.49%
17.74% APR, up to 28.49%
Terms
17.74%, 24.24% or 28.49% variable APR thereafter.
Credit card score 60 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 17.99%APRas low as
Terms
After the promotional period, the rate reverts to 17.99% non-variable APR on purchases. Regular standard rate.
Credit card score 60 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches
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 Blacksburg, VA metro
8 banks and credit unions · checked Oct 15–22
- Typical
- 13.12%
- Top 10% up to
- 11.09%
- Banks, typical
- 13.74%
- Credit unions, typical
- 12.49%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Blacksburg, VA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Virginia Credit UnionCredit union · 3 branches