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 31–45 of 65 in Chicago, IL-IN metro · median 11.75% APR
- 11.15%APRas low as · up to 18.00%
11.15% APR, up to 18.00%
Terms
Purchase APR is 11.15%, 16.40%, 17.40%, or 18.00% depending on creditworthiness. Variable APR determined by adding 4.15%, 9.40%, 10.40%, or 12.40% to the Prime Rate. Maximum APR is 18.00%.
Credit card score 77 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 21.74%
11.74% APR, up to 21.74%
Terms
Variable APR on purchases based on creditworthiness.
Credit card score 75
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as
Terms
As low as 11.75% Variable APR. Subject to credit approval; APR based on credit history. High credit limit up to $20,000. 25-day grace period. No annual fee. No over-limit fee. Cash advances available.
Credit card score 74 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 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 74 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.88%APRas low as
Terms
Fixed low interest rate. Balance transfer programs and specials are available during the year.
Credit card score 74 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Credit card score 73 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 17.90%
11.90% APR, up to 17.90%
Terms
Standard ongoing rate after the 6th billing cycle depending on creditworthiness.
Credit card score 73 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
As low as 11.90% APR. Subject to credit approval.
Credit card score 73 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 20.49%
12.49% APR, up to 20.49%
Terms
Non-promotional variable APR applies beginning the first day of the new billing cycle after the intro period, based on creditworthiness. Variable APR varies quarterly based on the highest Prime Rate charged by banks published in WSJ as of the last business day of each quarter plus a margin.
Credit card score 70 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 23.75%
12.49% APR, up to 23.75%
Credit card score 70 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Credit card score 69 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Tier A. Rate adjusted semi-annually (January & July); APR based on Prime rate as of 07/01/2026. Includes 25-day grace period on purchases and no balance transfer fees.
Credit card score 69 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as · up to 20.90%
12.90% APR, up to 20.90%
Terms
Fixed interest rate; rates based on creditworthiness; credit limits from $500 to $20,000; 25-day grace period on purchases
Credit card score 67 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
Standard Fixed/Non-Variable Rate Card as low as 12.9% APR. Rates subject to risk-based pricing, minimum credit score restrictions, and standard underwriting guidelines.
Credit card score 67 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Competitive variable rate as low as 12.99%. Credit line up to $25,000.00. 25 day grace period on purchases.
Credit card score 67 · Carrot Score 70
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 Chicago, IL-IN metro
65 banks and credit unions · checked Oct 15–22
- Typical
- 11.75%
- Top 10% up to
- 8.80%
- Banks, typical
- 17.74%
- Credit unions, typical
- 10.95%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Chicago, IL-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Acme Continental Credit UnionCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch
- American Airlines Federal Credit UnionCredit union · 4 branches