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 San Diego, CA metro · median 13.24% APR
- 8.90%APRas low as · up to 17.90%
8.90% APR, up to 17.90%
Terms
Non-variable Annual Percentage Rate for Purchases based on credit worthiness.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Fixed purchase APR for qualified members. Rates shown are the lowest available and may vary based on creditworthiness.
Credit card score 87 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
On approved credit. Rates as low as 9.90% APR. No annual fee.
Credit card score 84
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Rate as low as 9.90% APR based on creditworthiness. Credit limit up to $30,000. $35 annual fee.
Credit card score 81 · Carrot Score 93
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 - 10.40%APRas low as · up to 16.40%
10.40% APR, up to 16.40%
Terms
Variable APR for purchases, balance transfers, and cash advances based on creditworthiness.
Credit card score 81 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - First Tech Federal Credit UnionChoice Rewards World Mastercard · No annual fee
Credit union · 1 branch
10.74%APRas low as · up to 18.00%10.74% APR, up to 18.00%
Terms
Purchase APR is 11.75% to 18.00% when you open your account, based on creditworthiness. Variable rate adjusts monthly by adding a margin of 3.74% to 18.00% to Prime Rate. Maximum APR will not exceed 18.00%. No annual fee. Earn 20,000 bonus points when you spend $3,000 in the first 60 days.
Credit card score 80 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - East County Schools Federal Credit UnionVisa CU Reward / Platinum with CU Rewards · No annual fee
Credit union · 1 branch
11.50%APRas low asTerms
APR for Purchases, Balance Transfers, and Cash Advances is 11.50%. No annual fee. No balance transfer fee. Credit limit up to $50,000.
Credit card score 75 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - California Coast Credit UnionPlatinum Mastercard® Credit Card · No annual fee
Credit union · 22 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 - 11.99%APRas low as · up to 17.99%
11.99% APR, up to 17.99%
Terms
Standard APR for purchases based on creditworthiness.
Credit card score 72 · Carrot Score 87
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 - 12.99%APRas low as · up to 24.99%
12.99% APR, up to 24.99%
Terms
Variable APR based on Prime Rate and creditworthiness. Applies to purchases, balance transfers, and cash advances.
Credit card score 67 · Carrot Score 89
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 16.00%
13.50% APR, up to 16.00%
Terms
Depending on credit worthiness.
Credit card score 65 · Carrot Score 89
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
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 San Diego, CA metro
24 banks and credit unions · checked Oct 16–22
- Typical
- 13.24%
- Top 10% up to
- 9.90%
- Banks, typical
- 18.12%
- Credit unions, typical
- 11.69%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
San Diego, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Home Bank of CaliforniaBank · 1 branch
- First BankBank · 3 branches