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 46–60 of 70 in New York, NY-NJ metro · median 11.72% APR
- 12.99%APRas low as · up to 17.99%
12.99% APR, up to 17.99%
Terms
APR based on credit ratings and term of loan.
Credit card score 67 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Standard rate designed for valued members (not an introductory offer).
Credit card score 67
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 22.49%
13.49% APR, up to 22.49%
Terms
Variable rate based on Prime rate and creditworthiness. Revolving credit line with $500 minimum to open and $35,000 maximum amount. 7,500 bonus points if $1,000 is spent in the first 3 months.
Credit card score 66 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as · up to 20.65%
13.65% APR, up to 20.65%
Terms
Variable APR for purchases, depending on creditworthiness at account opening. Varies with the market based on the Prime Rate (7.00%). Balance Transfer Fee is $1.00 or 3.00% of each balance transfer, whichever is greater.
Credit card score 65 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 20.74%
13.74% APR, up to 20.74%
Terms
Variable APR (NOR version).
Credit card score 65 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 13.75%APRas low as · up to 18.00%
13.75% APR, up to 18.00%
Terms
Rates determined by creditworthiness. Variable rate subject to monthly change based on margin and index.
Credit card score 64 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 13.90%APRas low as · up to 18.00%
13.90% APR, up to 18.00%
Terms
Variable ongoing APR based on the highest Prime Rate in WSJ Money Rates; maximum APR is 18.00%.
Credit card score 64 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 13.90%APRas low as
Terms
Requires 739 - 620 Credit Score. Rate based on creditworthiness.
Credit card score 64 · 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 - 14.99%APRas low as · up to 18.25%
14.99% APR, up to 18.25%
Terms
Variable rate for purchases depending on creditworthiness at account opening. Credit line from $500 to $10,000.
Credit card score 62 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 15.24%APRas low as · up to 25.24%
15.24% APR, up to 25.24%
Terms
Variable standard purchase and balance transfer APR based on Prime Rate (7.25%) and creditworthiness.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.24%APRas low as · up to 18.00%
15.24% APR, up to 18.00%
Terms
Standard variable APR after the first 12 billing cycles based on underwriting guidelines, creditworthiness, and Prime Rate.
Credit card score 62 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 15.75%APRas low as · up to 18.25%
15.75% APR, up to 18.25%
Terms
This APR will vary with the market based on the Prime Rate, depending on your creditworthiness.
Credit card score 61 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 15.75%APRas low as · up to 18.00%
15.75% APR, up to 18.00%
Terms
Variable APR based on creditworthiness and Prime Rate.
Credit card score 61 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 15.99%APRas low as · up to 17.99%
15.99% APR, up to 17.99%
Terms
APR for purchases based on creditworthiness; variable rate based on the Prime Rate.
Credit card score 61 · Carrot Score 88
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