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 16–30 of 35 in Washington, DC · median 11.90% APR
- 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 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 - Lafayette Federal Credit UnionPlatinum Mastercard® Credit Card · No annual fee
Credit union · 2 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 - 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 - 12.75%APRas low as · up to 18.00%
12.75% APR, up to 18.00%
Terms
Variable APR for purchases based on Prime Rate.
Credit card score 69 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as
Terms
Variable rate of Wall Street Prime + 6% (13.00%). Minimum monthly payment: 2.5% of total new balance or $25, whichever is greater. No interest on purchase balances paid within 25 days of statement closing dates. Maximum financed $30,000. Rewards points.
Credit card score 66 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 13.25%APRas low as
Terms
Variable APR based on Prime Rate plus 6.25% margin; applies to purchases, balance transfers, and cash advances. No annual fee. Minimum interest charge if charged is no less than $1.00.
Credit card score 66 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as
Terms
Fixed APR of 13.50% for purchases, balance transfers, and cash advances. 25-day grace period on purchases when paid in full each month within 25 days of statement closing date. Interest begins on transaction date for cash advances and balance transfers.
Credit card score 64 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 20.74%
13.74% APR, up to 20.74%
Terms
Variable APR (NOR version).
Credit card score 65 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 13.90%APRas low as · up to 18.00%
13.90% APR, up to 18.00%
Terms
Variable ongoing APR based on the highest Prime Rate in WSJ Money Rates; maximum APR is 18.00%.
Credit card score 64 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Credit limit up to $10,000.00. APR based on applicant's credit and term of loan. Rate subject to change.
Credit card score 63 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Variable APR for Purchases determined monthly by adding 6.99% margin to Prime Rate (7.00% as of September 17, 2026). Introductory $0 annual fee for the first year, after that $450 (waived for eligible Wealth clients).
Credit card score 61 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 18.00%
14.00% APR, up to 18.00%
Terms
Variable APR currently 14.00% to 18.00% as displayed on secondary card table. Annual fee is waived for the first year, then $25/year (waived with $1,000+ in transactions over 12 months). Balance transfer fee after initial 12 months is $10 or 2.5% of transfer amount, whichever is greater.
Credit card score 63 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 15.74%APRas low as · up to 23.74%
15.74% APR, up to 23.74%
Credit card score 61 · Carrot Score 60
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
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
35 banks and credit unions · checked Oct 16–22
- Typical
- 11.90%
- Top 10% up to
- 9.29%
- Banks, typical
- 16.74%
- Credit unions, typical
- 11.35%
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