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 Jose, CA metro · median 13.50% APR
- 8.75%APRas low as
Terms
Rate applies to purchases, balance transfers, and cash advances. Requires credit qualification. Minimum $5,000 credit limit for qualified applicants.
Credit card score 89 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Fixed rates as low as 8.99%. $1,000 limit to get you started. 1.5% Cash Back Rewards. No penalty APR for late payments. $0 annual fee, no cash advance fee, no balance transfer fee, no foreign transaction fees.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed rate.
Credit card score 84 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Variable APR of Prime + 2.99%, currently 9.99%. Take advantage of a balance transfer offer. No balance transfer fee during the first six months, then $10 or 1% whichever is higher.
Credit card score 73 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as
Terms
Low variable rate.
Credit card score 81 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 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 - First Tech Federal Credit UnionChoice Rewards World Mastercard · No annual fee
Credit union · 3 branches
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 - 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 - 11.99%APRas low as · up to 24.99%
11.99% APR, up to 24.99%
Terms
Purchase APR varies with the market based on the Prime Rate. No annual fee.
Credit card score 72 · Carrot Score 62
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 - 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 - 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 - 13.65%APRas low as · up to 26.65%
13.65% APR, up to 26.65%
Terms
Variable APR applies to purchases, balance transfers, and cash advances. 3% balance transfer fee applies.
Credit card score 65 · Carrot Score 77
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
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 Jose, CA metro
24 banks and credit unions · checked Oct 16–22
- Typical
- 13.50%
- Top 10% up to
- 9.93%
- Banks, typical
- 17.74%
- Credit unions, typical
- 11.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
San Jose, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Star One Credit UnionCredit union · 6 branches
- Stanford Federal Credit UnionCredit union · 5 branches
- First BankBank · 1 branch