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 20 in Spokane, WA metro · median 12.50% APR
- 7.25%APRas low as
Terms
Fixed rate of 7.25% applies to purchases, balance transfers, and cash advances. No annual fee. 25-day grace period on purchases.
Credit card score 95 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - Responders Emergency Services Credit UnionRESCU VISA Platinum · No annual fee
Credit union · 1 branch
8.90%APRas low asTerms
Standard rate as low as 8.9% APR based on creditworthiness. Rate customized based on FICO score and credit union activity. Credit limit up to $10,000 (higher limits require Credit Committee approval).
Credit card score 89 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Non-variable, as low as 9.90% APR*. Annual Percentage Rate may vary based on approved credit.
Credit card score 84 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Rate applies to purchases, balance transfers, and cash advances. Minimum monthly payment is 3% of the balance or $25.00, whichever is greater. Interest is calculated on daily balance for cash advances.
Credit card score 84 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 17.99%with conditions
10.99% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates advertised for Visa Credit Card include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Open-ended fixed rate line of credit with variable payment calculated at 2% of outstanding balance or $25.00, whichever is greater. Includes 24-day grace period on purchases, no balance transfer fees, and no cash advance fees.
Credit card score 77 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Standard purchase APR. Fixed rate. Payment is 3% of loan balance, minimum of $20.00.
Credit card score 77 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low as · up to 24.00%
11.49% APR, up to 24.00%
Terms
Variable APR as low as 11.49% up to 24.00% depending on creditworthiness.
Credit card score 76 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 19.50%
11.50% APR, up to 19.50%
Terms
Based upon your creditworthiness when you open your account. After that, your APR will vary with the market based upon the Prime Rate.
Credit card score 75 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 20.99%
11.99% APR, up to 20.99%
Terms
Purchases. Variable APR. APR rates may vary based on the Wall Street Journal Prime Rate and can adjust monthly. No annual fee.
Credit card score 72 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 18.00%
12.50% APR, up to 18.00%
Terms
Variable APR changing with market based on Prime rate, not to exceed 18%. Rate dependent upon credit qualifications/history.
Credit card score 70 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 21.50%
12.50% APR, up to 21.50%
Terms
Standard variable APR based on Prime Rate depending on credit history for purchases. Prime plus margin of 5.50% - 21.00% depending on credit history. Maximum APR 29.99%.
Credit card score 70 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 12.65%APRas low as · up to 21.25%
12.65% APR, up to 21.25%
Terms
APR is 12.65% to 21.25% when you open your account; after that, APR will vary with the market based on the prime rate. Rate is based on credit qualification and the VISA Credit Card selected. No interest charged on purchases if entire new purchase balance is paid by the due date each month.
Credit card score 69 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 24.74%
12.74% APR, up to 24.74%
Terms
Variable rate based on Prime Rate. Standard variable APR based on creditworthiness. Avoid finance charges on purchases by paying entire balance within 25 days of statement closing date.
Credit card score 69 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 22.99%
12.99% APR, up to 22.99%
Terms
Variable APR thereafter based on creditworthiness. $0 intro annual fee for the first year, then $49/year.
Credit card score 64 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as
Terms
Variable purchase rate based on prime rate plus a margin. No annual fee.
Credit card score 62 · Carrot Score 65
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 Spokane, WA metro
20 banks and credit unions · checked Oct 16–22
- Typical
- 12.50%
- Top 10% up to
- 9.80%
- Banks, typical
- 17.24%
- Credit unions, typical
- 11.74%
How does your bank’s rate compare?
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Spokane, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ICCUCredit union · 6 branches
- Responders Emergency Services Credit UnionCredit union · 1 branch
- Ironworkers USA Credit UnionCredit union · 1 branch