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 1–13 of 13 in Virginia Beach, VA · median 11.50% APR
- 8.99%APRas low as · up to 18.00%
8.99% APR, up to 18.00%
Terms
Fixed interest rate. Same APR applies to purchases, balance transfers, and cash advances. Credit limit $250 - $20,000 based on credit approval. No balance transfer fees. No annual or application fees.
Credit card score 88 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Credit limit: $2,500 to $5,000. Same low rate on cash advances. No balance transfer fee.
Credit card score 87 · Carrot Score 87
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 - 10.49%APRas low as · up to 18.00%
10.49% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; no annual fee or cash advance fee; foreign transaction fees apply.
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.75%APRas low as · up to 18.00%
10.75% APR, up to 18.00%
Terms
Variable APR ranging from 10.75% to 18.00% based on credit eligibility. No annual fee. Membership requires $5 savings deposit.
Credit card score 80 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Variable APR as low as 10.99% based on creditworthiness. Same rate on purchases, cash advances, and balance transfers. No annual or cash advance fees.
Credit card score 77 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 1st Advantage Federal Credit Union1st Advantage Standard Mastercard · No annual fee
Credit union · 1 branch
11.50%APRas low asTerms
Standard variable APR determined by credit history. No balance transfer fee, no cash advance fee. Method used to compute purchase balance is Average Daily Balance.
Credit card score 75 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 17.74%
12.74% APR, up to 17.74%
Terms
Regular variable APR on purchases and balance transfers based on creditworthiness (Prime + 5.99% or Prime + 10.99%).
Credit card score 69 · Carrot Score 71
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 - 17.24%APRas low as · up to 23.24%
17.24% APR, up to 23.24%
Terms
After the intro period, regular variable APR of 17.24% - 23.24% (also stated as 17.99% - 23.99% in disclosures), based on creditworthiness.
Credit card score 61 · Carrot Score 84
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 - PenFed Credit UnionPenFed Power Cash Rewards Visa Signature Card · No annual fee
Credit union · 1 branch
17.99%APRas low asTerms
Purchase variable APR based on creditworthiness.
Credit card score 60 · Carrot Score 96
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 Virginia Beach, VA
13 banks and credit unions · checked Oct 16–22
- Typical
- 11.50%
- Top 10% up to
- 9.65%
- Banks, typical
- 17.24%
- Credit unions, typical
- 10.62%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Virginia Beach, VA-NC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Langley Credit UnionCredit union · 18 branches
- PenFed Credit UnionCredit union · 1 branch
- State Employees' Credit UnionCredit union · 3 branches