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 51 in Philadelphia, PA-NJ-DE-MD metro · median 10.90% APR
- 10.99%APRas low as · up to 17.99%
10.99% APR, up to 17.99%
Terms
Variable APR based on creditworthiness, calculated by adding a margin of 3.99% - 14.99% to the Prime Rate. Maximum APR is 17.99%.
Credit card score 77 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 18.00%
10.99% APR, up to 18.00%
Credit card score 77 · Carrot Score 83
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 - 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 - 12.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Adjusted quarterly. APR is variable and will vary with the market based on the Prime Rate. Excludes the 1.00% discount for automatic payments from an Active Checking Account.
Credit card score 70 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Rate shown is the lowest rate available (floor rate), based on individual credit history. Rate applies to purchases, balance transfers, and cash advances. Subject to change without notice. No annual fee. No cash advance fee when using your Point Breeze Visa Credit Card at a Point Breeze office or ATM. Pay entire balance by due date each month to avoid paying interest on purchases.
Credit card score 69 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as · up to 17.90%
12.90% APR, up to 17.90%
Terms
Rate as low as 12.90% but not more than 17.90% thereafter based on credit history (page 47 mentions as low as 13.90% APR). No annual fee. No fees for balance transfers, cash advances, or foreign transactions. Earn 1% cash back on purchases.
Credit card score 67 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - PFFCU – Police & Fire Federal Credit UnionPFFCU Rewards Visa Credit Card · No annual fee
Credit union · 17 branches
12.90%APRas low asTerms
Ongoing variable APR after the 12-month intro for purchases, balance transfers, and cash advances: Prime + 5.9%. Assigned from credit score at application among 5.9%, 9.9%, or 14.65% margins. Maximum APR 18.00%.
Credit card score 67 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as
Terms
Variable rate of Wall Street Prime + 6% (13.00%). Minimum monthly payment: 2.5% of total new balance or $25, whichever is greater. No interest on purchase balances paid within 25 days of statement closing dates. Maximum financed $30,000. Rewards points.
Credit card score 66 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as · up to 18.00%
13.65% APR, up to 18.00%
Terms
Purchase variable APR. APR based on creditworthiness and varies with the Prime Rate. My Advantage discount does not apply. No numeric margin stated.
Credit card score 65 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as
Terms
Standard purchase rate as low as 13.74% APR. Cash advance rate = 17.74% APR. Some rates are not available in Puerto Rico.
Credit card score 65 · Carrot Score 81
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 - 13.90%APRas low as
Terms
Advertised rate is for 'AA' credit. Finance method: Average daily balance. Maximum credit limit of $5,000.
Credit card score 63 · Carrot Score 85
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 - 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
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