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 166–180 of 187 in California · median 11.50% APR
- 14.00%APRas low as
Terms
Ongoing variable rate for purchases: WSJ Prime Rate + 7%. Rate determined by individual credit score; as low as rate includes credit score of 760 or above. Range 14.00% - 15.00%.
Credit card score 63 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 14.15%APRas low as · up to 19.15%
14.15% APR, up to 19.15%
Terms
Variable APR for new purchases after 6 months (14.15% to 19.15%), indexed to Prime Rate based on creditworthiness.
Credit card score 63 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 14.24%APRas low as · up to 36.00%
14.24% APR, up to 36.00%
Terms
Variable standard rate based on credit score.
Credit card score 63 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 14.24%APRas low as · up to 20.24%
14.24% APR, up to 20.24%
Terms
Purchase APR varies based on creditworthiness (14.24%, 15.24%, 16.24%, 17.24%, or 20.24%). Variable rate based on Prime Rate. No annual fee.
Credit card score 63 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - UMB BankUMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card · No annual fee
Bank · 7 branches
14.49%APRas low asTerms
After the first 12 months, 14.49% variable APR based on prime rate.
Credit card score 63 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 14.74%APRas low as
Terms
Variable APR determined by Prime Rate (6.75%) + Margin of 7.74%; maximum APR is 18%. Rate applies to purchases, post-introductory balance transfers, and cash advances.
Credit card score 63 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 14.88%APRas low as
Terms
Cash Back – Annual Fee. Variable rate APR is subject to change and may vary depending on evaluation of credit history.
Credit card score 62 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 14.92%APRas low as
Terms
Grace period of at least 25 days on purchases when paying the entire balance by the due date. No annual fee. Late payment fee: 5% of payment due or maximum $10. Includes platinum travel and concierge benefits.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Credit Limit $500-$25,000
Credit card score 62 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 15.48%APRas low as · up to 17.98%
15.48% APR, up to 17.98%
Terms
Standard variable APR varying based on the Prime Rate. Earns 1.5 points per $1 spent. Credit limit $500 to $20,000 (up to $25,000).
Credit card score 62 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 15.49%APRas low as
Terms
Variable APR based on Prime Rate for purchases, balance transfers, and cash advances.
Credit card score 62 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - First California Federal Credit UnionVisa® Classic Credit Card · No annual fee
Credit union · 1 branch
15.49%APRas low asCredit card score 62 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 16.00%APRas low as
Terms
Fixed APR for Purchases is 16.00% (monthly periodic rate of 1.3333%). No annual fee.
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 16.15%APRas low as
Terms
Variable rate for purchases after the twelfth month; adjusts with the market based on the Prime Rate. Rates subject to change monthly.
Credit card score 61 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 16.74%APRas low as
Terms
Purchase APR is variable (Prime Rate of 6.75% + 9.74% margin, max 22.99%).
Credit card score 61 · 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 California
187 banks and credit unions · checked Oct 16–23
- Typical
- 11.50%
- Top 10% up to
- 8.95%
- Banks, typical
- 15.46%
- Credit unions, typical
- 10.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches