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 1–7 of 7 in San Luis Obispo, CA metro · median 13.90% APR
- 9.24%APRas low as · up to 16.74%
9.24% APR, up to 16.74%
Terms
Variable APR as low as 9.24%. Calculated using Prime Rate + Margin of 2.24% to 9.74%, based on creditworthiness, not to exceed 17.99%. Subject to credit approval.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Credit card score 82 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 12.99%
10.99% APR, up to 12.99%
Terms
Rate based on creditworthiness. Rate as low as 10.99% APR.
Credit card score 77 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 13.90%APRas low as
Terms
Fixed APR based on creditworthiness. Rate applies to purchases, cash advances, and balance transfers. No annual fee, no penalty rates, no cash advance fee, and free balance transfers.
Credit card score 64 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - UMB BankUMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card · No annual fee
Bank · 2 branches
14.49%APRas low asTerms
After the first 12 months, 14.49% variable APR based on prime rate.
Credit card score 63 · Carrot Score 88
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 27.99%
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
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 Luis Obispo, CA metro
7 banks and credit unions · checked Oct 16–22
- Typical
- 13.90%
- Top 10% up to
- 9.69%
- Banks, typical
- 17.74%
- Credit unions, typical
- 10.49%
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 Luis Obispo, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- UMB BankBank · 2 branches
- CoastHills Credit UnionCredit union · 5 branches
- Golden 1 Credit UnionCredit union · 3 branches