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 32 in Buffalo, NY metro · median 9.94% APR
- 7.50%APRas low as · up to 18.00%
7.50% APR, up to 18.00%
Terms
Your credit history will determine the interest rate and term of the loan.
Credit card score 95 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as
Terms
Credit Score: A+, A, B
Credit card score 93 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 8.25%APRas low as
Credit card score 89 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 8.49%APRas low as
Terms
Rate disclosed is quoted for A+ credit. No balance transfer fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed rate. Payments based on 3% of outstanding card balance.
Credit card score 89 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
APRs shown are as of December 31, 2024 and are subject to change at any time without notice. APR will be determined by creditworthiness. Late payment may result in penalty fees and increased rate. Cash advance fee is 1% higher than fixed rate APR and foreign transaction fee is 1% of each transaction amount in US dollars.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Standard non-variable APR as low as 8.90% based on credit qualifications. Rates reflect direct deposit and autopay.
Credit card score 89 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Non-variable interest rate. No fee balance transfers. Rates displayed are the lowest rates offered; actual APR determined by credit score.
Credit card score 89 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - 8.95%APRas low as
Terms
Standard fixed APR for open-ended line of credit for purchases.
Credit card score 89 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Non-Variable Rate. APR as low as 8.99%. Maximum limit $25,000. 25-Day Grace Period (Purchases). Rate based on creditworthiness and term of loan.
Credit card score 88 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Variable Rate
Credit card score 88 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Rates reflect the lowest rate available on approved credit as determined by creditworthiness. Features a 5-day grace period, no balance transfer fee, and no cash advance fee.
Credit card score 88 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Standard APR starting at 8.99% based on creditworthiness.
Credit card score 88 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Fixed interest rate. Includes a 25-day grace period.
Credit card score 87 · Carrot Score 87
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 Buffalo, NY metro
32 banks and credit unions · checked Oct 16
- Typical
- 9.94%
- Top 10% up to
- 8.53%
- Banks, typical
- 17.49%
- Credit unions, typical
- 9.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Buffalo, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 4 branches
- SJP Federal Credit UnionCredit union · 1 branch
- Niagara's ChoiceCredit union · 5 branches