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 16–30 of 51 in Philadelphia, PA-NJ-DE-MD metro · median 10.90% APR
- 9.90%APRas low as
Terms
Competitive fixed low rate as low as 9.90% APR; fixed rate; use for purchases, balance transfers, and cash advances; final terms determined by Performance Based Scoring System based on credit scores; actual APR may vary by payment method or late payments; rates subject to change.
Credit card score 84 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 9.95%APRas low as · up to 17.95%
9.95% APR, up to 17.95%
Terms
Annual Percentage Rate for Purchases is 9.95-17.95% APR. Fixed rate. No annual fee.
Credit card score 83 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - American Heritage Credit UnionPlatinum Preferred Mastercard · No annual fee
Credit union · 33 branches
9.99%APRas low asTerms
Standard 9.99% APR applies to balances, purchases, cash advances, and balance transfers thereafter. $0 annual fee.
Credit card score 82 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Fixed rate. Borrow up to $25,000. No annual fee. No balance transfer fee.
Credit card score 82 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Regular purchase APR after the introductory 6 months. Determined by risk-based lending and credit scoring.
Credit card score 82 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Purchases. 25-day grace period.
Credit card score 82 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 10.00%APRas low as · up to 18.00%
10.00% APR, up to 18.00%
Terms
Regular Fixed Rate 10.00%--18.00% APR based on evaluation of applicant's credit at time of application. $500 credit limit. 27-day grace period for purchases. No annual fee, balance transfer fee, or cash advance fee.
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as
Terms
Variable rate. Subject to credit approval and individual creditworthiness. No annual fee. 25-day grace period for purchases.
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; tied to the U.S. Prime Rate.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as · up to 18.00%
10.50% APR, up to 18.00%
Terms
Variable APR for purchases and cash advances based on creditworthiness and the Prime Rate.
Credit card score 81 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - Campbell Federal Credit UnionMastercard Classic Red & White Credit Card · No annual fee
Credit union · 3 branches
10.90%APRas low asTerms
Non Variable rate of 10.9% APR. No Annual Fee. No transaction or cash advance fee. 25-day grace period on purchases. Credit limits from $300 to $25,000.
Credit card score 79 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as · up to 10.99%
10.90% APR, up to 10.99%
Terms
Stated as 10.99% APR on Credit Card Rates table (p6) and 10.9% on Purchases with No Annual Fee (p14).
Credit card score 79 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Fixed APR.
Credit card score 79 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Rates are based upon the credit history of the member; stated rate is the lowest rate in effect and not all members will qualify.
Credit card score 79 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Fixed purchase APR as low as 10.99% based on creditworthiness. Rate will not increase while credit plan is open.
Credit card score 77 · Carrot Score 83
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 Philadelphia, PA-NJ-DE-MD metro
51 banks and credit unions · checked Oct 16–22
- Typical
- 10.90%
- Top 10% up to
- 8.99%
- Banks, typical
- 17.74%
- Credit unions, typical
- 10.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Philadelphia, PA-NJ-DE-MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Freedom Credit UnionCredit union · 4 branches
- HEFCUCredit union · 1 branch
- Self Reliance Financial Federal Credit UnionCredit union · 4 branches