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 45 in San Francisco, CA metro · median 11.99% APR
- 10.25%APRas low as · up to 17.45%
10.25% APR, up to 17.45%
Terms
Variable APR as of 04/07/2026. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on creditworthiness. Applies to Purchases. Amount $300 - $50,000. (Table row lists 02/26/2026 while rates header and footnote 1 state effective 04/07/2026).
Credit card score 81 · Carrot Score 82
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 - 10.75%APRas low as · up to 15.75%
10.75% APR, up to 15.75%
Terms
Variable APR based on creditworthiness at the time of application, and will vary with the market based on the Prime Rate. Same low rate on purchases and cash advances.
Credit card score 80 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as · up to 15.00%
11.00% APR, up to 15.00%
Terms
Variable APR adjusts quarterly and equals Prime Rate plus 4.00% to 8.00% depending on creditworthiness. Max credit limit $25,000. $0 annual fee.
Credit card score 77 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.65%APRas low as · up to 22.65%
11.65% APR, up to 22.65%
Terms
Standard variable APR for purchases, balance transfers, and cash advances. Cash advance fee / balance transfer fee: 3% of advance amount ($10 minimum) in CA and ID; 2% of advance amount ($2 minimum) in TX. No annual fee or foreign transaction fee.
Credit card score 75 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 18.99%
11.74% APR, up to 18.99%
Terms
Annual Percentage Rate (APR) 11.74% to 18.99%. APR for Balance Transfers 11.74% to 18.99%; APR for Cash Advances 11.74% to 18.99%.
Credit card score 75 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.95%APRas low as
Terms
Risk Grade A; Income must be greater than $30,000 per annum; Credit limit $7,000
Credit card score 73 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 23.99%
11.99% APR, up to 23.99%
Terms
Credit Card APR may vary and is determined by adding margin (4.99% to 16.99%) to the U.S. prime rate published in the Money Rates section of the Wall Street Journal on the first business day of the month.
Credit card score 72 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as · up to 18.00%
12.24% APR, up to 18.00%
Terms
Variable rates based on creditworthiness; rate can change monthly.
Credit card score 71 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.40%APRas low as
Credit card score 71 · Carrot Score 71
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
Standard variable APR for purchases and cash advances based on creditworthiness; varies with the market based on Prime Rate.
Credit card score 70 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 12.96%APRas low as
Credit card score 67 · Carrot Score 67
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 27.99%
12.99% APR, up to 27.99%
Terms
Revolving credit. Credit limit $500 to $40,000. Rates and terms subject to change and based on creditworthiness. Minimum payment is 2% for APR under 24.00%, 3% for APR above 24.00%.
Credit card score 67 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 21.49%
13.49% APR, up to 21.49%
Terms
Variable purchase APR.
Credit card score 66 · 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 Francisco, CA metro
45 banks and credit unions · checked Oct 16–22
- Typical
- 11.99%
- Top 10% up to
- 8.99%
- Banks, typical
- 17.24%
- Credit unions, typical
- 11.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
San Francisco, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st Nor Cal® Credit UnionCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 4 branches