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 45 in San Francisco, CA metro · median 11.99% APR
- 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 - 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 - 13.74%APRas low as · up to 17.99%
13.74% APR, up to 17.99%
Terms
Variable APR for purchases based on creditworthiness, indexed to U.S. Prime Rate.
Credit card score 65
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as
Terms
Ongoing variable rate for purchases: WSJ Prime Rate + 7%. Rate determined by individual credit score; as low as rate includes credit score of 760 or above. Range 14.00% - 15.00%.
Credit card score 63 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 14.88%APRas low as
Terms
Cash Back – Annual Fee. Variable rate APR is subject to change and may vary depending on evaluation of credit history.
Credit card score 62 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Credit Limit $500-$25,000
Credit card score 62 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 15.48%APRas low as · up to 17.98%
15.48% APR, up to 17.98%
Terms
Standard variable APR varying based on the Prime Rate. Earns 1.5 points per $1 spent. Credit limit $500 to $20,000 (up to $25,000).
Credit card score 62 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 16.00%APRas low as
Terms
Fixed APR for Purchases is 16.00% (monthly periodic rate of 1.3333%). No annual fee.
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 16.74%APRas low as
Terms
Purchase APR is variable (Prime Rate of 6.75% + 9.74% margin, max 22.99%).
Credit card score 61 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as · up to 28.49%
17.74% APR, up to 28.49%
Terms
17.74%, 24.24% or 28.49% variable APR thereafter.
Credit card score 60 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 18.49%APRas low as · up to 27.49%
18.49% APR, up to 27.49%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 60 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 18.49%APRas low as · up to 27.99%
18.49% APR, up to 27.99%
Terms
Variable APR
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 18.75%APRas low as · up to 22.75%
18.75% APR, up to 22.75%
Terms
Variable APR based on creditworthiness.
Credit card score 60 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 18.99%APRas low as · up to 26.99%
18.99% APR, up to 26.99%
Terms
Variable APR for purchases and balance transfers is 18.99% - 26.99% based on creditworthiness. $0 annual fee with active Costco membership.
Credit card score 60 · Carrot Score 89
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