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 70 in New York, NY-NJ metro · median 11.72% APR
- 11.25%APRas low as · up to 18.00%
11.25% APR, up to 18.00%
Terms
The APR and credit limit are based on an individual's credit worthiness. The APR will vary with the market based on the Prime Rate. No annual fee.
Credit card score 76 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.40%APRas low as · up to 18.00%
11.40% APR, up to 18.00%
Terms
11.40% – 18.00% APR. Same APR for purchases, cash advances, and balance transfers. No annual fees or balance transfer fees. Maximum APR capped at 18%. Rate is subject to change.
Credit card score 76 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Purchase APR as low as Prime + 4.49%. As Low As rates include Riegel FCU Autopay discount, when applicable.
Credit card score 76 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 11.70%APRas low as
Terms
Best Rate may vary based on personal credit history and other factors.
Credit card score 75 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 11.70%APRas low as · up to 18.00%
11.70% APR, up to 18.00%
Terms
After the promotional period, the cardholder's purchase APR will default to the regular non-promotion variable APR of Prime rate + a margin (disclosed at account opening). Current Prime rate is 7.00%. Maximum rate is 18%. Variable Rate APR as low as 11.70% (also cited as starting at 11.45% APR in FAQ on p15). Subject to credit approval.
Credit card score 75 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - Advantage Financial Federal Credit UnionPreferred Rate Credit Card · No annual fee
Credit union · 1 branch
11.74%APRas low as · up to 18.00%11.74% APR, up to 18.00%
Terms
Rate formula based on WSJ Prime + 3.49% to WSJ Prime + 12.49%; credit limit up to $20,000
Credit card score 75 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 17.74%
11.74% APR, up to 17.74%
Terms
Based on creditworthiness. Variable APR based on Wall Street Journal Prime Rate.
Credit card score 75 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 14.00%
11.90% APR, up to 14.00%
Terms
FIXED rates based on credit worthiness. You will have a minimum of 25 days without a finance charge on new purchases if the total new balance is paid in full each month by the payment due date. Credit lines up to $20,000.
Credit card score 73 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Purchases; periodic rate of 0.99% per month; 25-day grace period; average daily balance including new purchases
Credit card score 73 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - Harrison Police & Firemen's Federal Credit UnionVISA Credit Cards · No annual fee
Credit union · 1 branch
11.99%APRas low asTerms
Maximum $10,000
Credit card score 72 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 18.00%
12.00% APR, up to 18.00%
Terms
Fixed rate determined at account opening.
Credit card score 72 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Revolving term. APR varies based on credit score.
Credit card score 72 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - Advanced Financial Federal Credit UnionVISA Everyday Classic · No annual fee
Credit union · 4 branches
12.49%APRas low asTerms
As low as 12.49% APR. Maximum APR on all credit card loans is 18.00%. No annual fee.
Credit card score 70 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 18.00%
12.49% APR, up to 18.00%
Terms
Rate options: 12.49%, 12.74%, 14.74%, or 18.00% based on creditworthiness. Applies to purchases, balance transfers, and cash advances. Variable APR based on Prime Rate.
Credit card score 70 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as
Terms
Loan rates based on credit score. Rate starting at 12.50% (12.50% APR).
Credit card score 70 · Carrot Score 64
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 New York, NY-NJ metro
70 banks and credit unions · checked Oct 16–22
- Typical
- 11.72%
- Top 10% up to
- 9.00%
- Banks, typical
- 17.37%
- Credit unions, typical
- 11.32%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
New York, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches