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 35 in Riverside, CA metro · median 11.90% APR
- 11.75%APRas low as
Terms
Revolving term / up to $25,000 credit limit. No annual cash advance or balance transfer fee. Minimum monthly payment is 2% of outstanding balance or $25.00. 25-day grace period on purchases.
Credit card score 74 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - California Coast Credit UnionPlatinum Mastercard® Credit Card · No annual fee
Credit union · 4 branches
11.88%APRas low as · up to 15.88%11.88% APR, up to 15.88%
Terms
Standard variable APR for purchases, balance transfers, and cash advances based on Prime Rate and creditworthiness.
Credit card score 74 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 18.00%
11.90% APR, up to 18.00%
Terms
Fixed APR for purchases based on credit history. No annual fee. Global acceptance with no foreign transaction fee.
Credit card score 73 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - American First Credit UnionAFCU Credit Card with uChoose Rewards · No annual fee
Credit union · 1 branch
12.20%APRas low as · up to 21.70%with conditions12.20% APR, up to 21.70%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR subject to change with the market based on the Prime Rate. Rate shown includes 0.50% discount for automatic payments from an American First account. If the automatic payment option is canceled during the life of the loan, the rate(s) on the entire outstanding and future balance(s) may subsequently increase by 0.50%. A one time $5 lifetime membership may apply.
Credit card score 71 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 18.00%
12.25% APR, up to 18.00%
Terms
Standard variable APR. No annual fee, balance transfer fee, or cash advance fee. Rates as low as 12.25% to 12.50% depending on credit rating.
Credit card score 71 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 18.00%
12.50% APR, up to 18.00%
Terms
Variable APR changing with market based on Prime rate, not to exceed 18%. Rate dependent upon credit qualifications/history.
Credit card score 70 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as
Terms
Variable Rate indexed to the Prime Rate. As low as 12.74%.
Credit card score 69 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as · up to 22.90%
12.90% APR, up to 22.90%
Terms
Standard variable APR for purchases after the introductory period, based on creditworthiness. Variable APR varies with the market based on the Prime Rate.
Credit card score 67 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 28.74%
12.99% APR, up to 28.74%
Terms
Regular variable APR on purchases based on creditworthiness, varying with the market based on the Prime Rate.
Credit card score 67 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 17.90%
13.50% APR, up to 17.90%
Terms
Variable APR based on creditworthiness. Minimum monthly payment is 2% of statement balance or $25, whichever is greater.
Credit card score 65 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 22.50%
13.50% APR, up to 22.50%
Terms
Thereafter, variable APR ranges from 13.50% to 22.50% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026.
Credit card score 65 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 17.50%
13.74% APR, up to 17.50%
Terms
Estimated payment is 3% of balance ($25 minimum). $0 balance transfer fee and $0 cash advance fee. Variable rate based on Prime Index.
Credit card score 65 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as
Terms
Variable APR as low as 13.74% based on creditworthiness. 25-day grace period on all purchases. Cash advance fee and balance transfer fee: $5.00 or 2.50% of the amount, whichever is greater.
Credit card score 65 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 65 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 14.24%APRas low as · up to 20.24%
14.24% APR, up to 20.24%
Terms
Purchase APR varies based on creditworthiness (14.24%, 15.24%, 16.24%, 17.24%, or 20.24%). Variable rate based on Prime Rate. No annual fee.
Credit card score 63 · Carrot Score 70
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 Riverside, CA metro
35 banks and credit unions · checked Oct 16–22
- Typical
- 11.90%
- Top 10% up to
- 8.92%
- Banks, typical
- 18.49%
- Credit unions, typical
- 11.36%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Riverside, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Thinkwise Credit UnionCredit union · 2 branches
- CU SoCalCredit union · 4 branches