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 1–15 of 24 in Richmond, VA metro · median 11.94% APR
- 6.90%APRas low as · up to 16.99%
6.90% APR, up to 16.99%
Terms
Regular rate based on credit score. Depending on score, rate may stay 6.90% APR up to 16.99% APR. No minimum balance fee.
Credit card score 97 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Credit card score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Low fixed rate of 8.9% APR. No annual fee. A great option for saving money when doing a balance transfer.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.24%APRas low as · up to 19.24%
9.24% APR, up to 19.24%
Terms
Based on creditworthiness. No annual fee.
Credit card score 88 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 9.95%APRas low as
Terms
Rate as low as. Individual rates based on credit worthiness. Subject to loan officer approval. Effective date 12-1-2024.
Credit card score 83 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 16.99%
9.99% APR, up to 16.99%
Credit card score 82 · Carrot Score 68
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 - 10.75%APRas low as · up to 18.00%
10.75% APR, up to 18.00%
Terms
Variable APR ranging from 10.75% to 18.00% based on credit eligibility. No annual fee. Membership requires $5 savings deposit.
Credit card score 80 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Annual Percentage Rate for purchases. Grace period for repayment of balance for purchases is 25 days before finance charge is imposed. Balance computed using Average Daily Balance (including new purchases). Minimum finance charge: None. Transaction fee for purchases: None.
Credit card score 77 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 1st Advantage Federal Credit Union1st Advantage Standard Mastercard · No annual fee
Credit union · 1 branch
11.50%APRas low asTerms
Standard variable APR determined by credit history. No balance transfer fee, no cash advance fee. Method used to compute purchase balance is Average Daily Balance.
Credit card score 75 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 11.65%APRas low as · up to 18.00%
11.65% APR, up to 18.00%
Terms
After the introductory period, the rate will return to the variable rate based on credit qualifications, currently 11.65% - 18.00% APR as of October 3, 2026 and subject to change.
Credit card score 75 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
As low as rate. Standard APRs for purchases and balance transfers will apply and is subject to change. Earn 1% cash back up to $50 monthly ($600 annually) on eligible purchases. Subject to credit approval. Minimum and maximum credit limits apply.
Credit card score 73 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 17.99%
11.99% APR, up to 17.99%
Terms
No monthly or annual service fees. No balance transfer fees. No cash advance fees. No foreign transaction fees. Competitive variable rates with the same rate for cash advances, balance transfers, and purchases. APR varies with the market based on the Prime Rate. Credit limits from $500 to $20,000. Balance transfers cannot be applied to existing Homebase CU loans.
Credit card score 72 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
No balance transfer fee. Subject to creditworthiness and qualifications.
Credit card score 72 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 17.99%
12.49% APR, up to 17.99%
Terms
Purchase rate for VCU Black & Gold Essential Mastercard option. Variable rate based on prime.
Credit card score 70 · 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 Richmond, VA metro
24 banks and credit unions · checked Oct 16–22
- Typical
- 11.94%
- Top 10% up to
- 9.00%
- Banks, typical
- 15.70%
- Credit unions, typical
- 10.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Richmond, VA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Langley Credit UnionCredit union · 1 branch
- Primis BankBank · 9 branches
- Peoples Advantage FCUCredit union · 4 branches