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 70 in Washington, DC-VA-MD-WV metro · median 11.62% APR
- 10.90%APRas low as · up to 15.90%
10.90% APR, up to 15.90%
Terms
Standard APR based on creditworthiness and qualifications. Also listed as 'as low as 10.90%'.
Credit card score 79 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Starting at 10.99% APR; adjusted based on creditworthiness, debt-to-income ratio, and aggregate credit score. 5-Day Grace Period. Minimum Payment: 2%. No annual fee; no balance transfer fee.
Credit card score 77 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Annual percentage rate after the introductory period ends for purchases and balance transfers.
Credit card score 77
Rate checked · Credit cards rates on its site
Rates and branches - 11.35%APRas low as
Terms
Variable APR as low as 11.35% based on creditworthiness. Credit limits $250 - $20,000. No annual fee. Rates variable tied to Prime rate.
Credit card score 76 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low as · up to 18.00%
11.49% APR, up to 18.00%
Terms
Rates based on creditworthiness. Variable APR based on Prime Rate. Maximum credit line up to $35,000. No annual fee. Foreign transaction fee is 1.00%. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases.
Credit card score 76 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - Advantage Financial Federal Credit UnionPreferred Rate Credit Card · No annual fee
Credit union · 2 branches
11.74%APRas low as · up to 18.00%11.74% APR, up to 18.00%
Terms
Rate formula based on WSJ Prime + 3.49% to WSJ Prime + 12.49%; credit limit up to $20,000
Credit card score 75 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 16.74%
11.74% APR, up to 16.74%
Terms
Then, a variable APR of currently 11.74% – 16.74% depending on creditworthiness after the introductory period.
Credit card score 75 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 21.75%
11.74% APR, up to 21.75%
Terms
As low as 12.65% APR. Variable rate based on Prime Rate plus margin ranging from 4.74% to 14.75%; maximum rate 18.00%.
Credit card score 75 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as
Terms
As low as 11.75% Variable APR. Subject to credit approval; APR based on credit history. High credit limit up to $20,000. 25-day grace period. No annual fee. No over-limit fee. Cash advances available.
Credit card score 74 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Monthly payment: 3% of balance, $15 minimum. Credit lines from $3,000 to $50,000. Rates effective as of 10/19/2026. Variable APR as low as 11.90%.
Credit card score 73 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - Lafayette Federal Credit UnionPlatinum Mastercard® Credit Card · No annual fee
Credit union · 12 branches
11.90%APRas low as · up to 18.00%11.90% APR, up to 18.00%
Terms
Purchase, Balance Transfer and Cash Advance APR. Variable rate determined by creditworthiness at account opening; margin of 4.90% to 13.90% over WSJ Prime Rate, maximum 18.00% APR.
Credit card score 73 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Fixed rate of 11.90% APR for purchases. 25-day grace period. Minimum interest charge is $1.00.
Credit card score 73 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Rates shown are lowest possible rates currently offered; other rates available based on credit profile and loan terms. Minimum payment is 2.5% of outstanding balance or $15.00, whichever is greater. Same low rate for purchases, balance transfers, and cash advances.
Credit card score 72 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 18.00%
11.99% APR, up to 18.00%
Terms
Variable APR based on U.S. Prime Rate. Rates capped at 18.00% APR. Specific APR depends on creditworthiness and underwriting standards.
Credit card score 72 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.40%APRas low as
Terms
Fixed rate as low as 12.4% APR. Subject to credit approval.
Credit card score 71 · Carrot Score 93
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 Washington, DC-VA-MD-WV metro
70 banks and credit unions · checked Oct 16–22
- Typical
- 11.62%
- Top 10% up to
- 8.98%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Washington, DC-VA-MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 9 branches
- Hanscom Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 2 branches