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 Philadelphia, PA · median 11.36% APR
- 8.90%APRas low as
Terms
Rate based on member's credit worthiness. No balance transfer fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 16.90%
8.90% APR, up to 16.90%
Terms
Standard APR on unpaid balance based on creditworthiness. 8.90% APR listed as lowest rate as of October 1, 2026. No annual fee, no cash advance or domestic transaction fees. No interest charged on purchases if paid within 25 days of statement date. 1% foreign transaction fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as
Terms
Variable APR as low as 9.49%. Rate varies based on creditworthiness.
Credit card score 87 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 9.74%APRas low as
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed interest rate. Rate also applies to balance transfers from another credit card.
Credit card score 84 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - American Heritage Credit UnionPlatinum Preferred Mastercard · No annual fee
Credit union · 12 branches
9.99%APRas low asTerms
Standard 9.99% APR applies to balances, purchases, cash advances, and balance transfers thereafter. $0 annual fee.
Credit card score 82 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 10.00%APRas low as · up to 18.00%
10.00% APR, up to 18.00%
Terms
Regular Fixed Rate 10.00%--18.00% APR based on evaluation of applicant's credit at time of application. $500 credit limit. 27-day grace period for purchases. No annual fee, balance transfer fee, or cash advance fee.
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; tied to the U.S. Prime Rate.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as · up to 18.00%
10.50% APR, up to 18.00%
Terms
Variable APR for purchases and cash advances based on creditworthiness and the Prime Rate.
Credit card score 81 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Fixed purchase APR as low as 10.99% based on creditworthiness. Rate will not increase while credit plan is open.
Credit card score 77 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 17.99%
10.99% APR, up to 17.99%
Terms
Variable APR based on creditworthiness, calculated by adding a margin of 3.99% - 14.99% to the Prime Rate. Maximum APR is 17.99%.
Credit card score 77 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 18.00%
10.99% APR, up to 18.00%
Credit card score 77 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - Advantage Financial Federal Credit UnionPreferred Rate Credit Card · No annual fee
Credit union · 1 branch
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 - 12.90%APRas low as · up to 17.90%
12.90% APR, up to 17.90%
Terms
Rate as low as 12.90% but not more than 17.90% thereafter based on credit history (page 47 mentions as low as 13.90% APR). No annual fee. No fees for balance transfers, cash advances, or foreign transactions. Earn 1% cash back on purchases.
Credit card score 67 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - PFFCU – Police & Fire Federal Credit UnionPFFCU Rewards Visa Credit Card · No annual fee
Credit union · 8 branches
12.90%APRas low asTerms
Ongoing variable APR after the 12-month intro for purchases, balance transfers, and cash advances: Prime + 5.9%. Assigned from credit score at application among 5.9%, 9.9%, or 14.65% margins. Maximum APR 18.00%.
Credit card score 67 · Carrot Score 82
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 Philadelphia, PA
24 banks and credit unions · checked Oct 16–22
- Typical
- 11.36%
- Top 10% up to
- 9.56%
- Banks, typical
- 17.86%
- Credit unions, typical
- 10.37%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Philadelphia, PA-NJ-DE-MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Freedom Credit UnionCredit union · 4 branches
- HEFCUCredit union · 1 branch
- Self Reliance Financial Federal Credit UnionCredit union · 4 branches