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 91–105 of 187 in California · median 11.50% APR
- 11.15%APRas low as · up to 17.15%
11.15% APR, up to 17.15%
Terms
Variable rate subject to change after account opening; tied to Prime Rate published in WSJ plus margin and adjusted quarterly.
Credit card score 77 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low as
Terms
Revolving term. Credit limits up to $15,000. Same low interest rate for purchases, cash advances, and balance transfers.
Credit card score 76 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - East County Schools Federal Credit UnionVisa CU Reward / Platinum with CU Rewards · No annual fee
Credit union · 1 branch
11.50%APRas low asTerms
APR for Purchases, Balance Transfers, and Cash Advances is 11.50%. No annual fee. No balance transfer fee. Credit limit up to $50,000.
Credit card score 75 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 19.75%
11.50% APR, up to 19.75%
Terms
Variable APR based on Prime Rate; rates and terms vary based on creditworthiness. Applicable for purchases, balance transfers, and cash advances. No balance transfer fee.
Credit card score 75 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 11.65%APRas low as · up to 22.65%
11.65% APR, up to 22.65%
Terms
Standard variable APR for purchases, balance transfers, and cash advances. Cash advance fee / balance transfer fee: 3% of advance amount ($10 minimum) in CA and ID; 2% of advance amount ($2 minimum) in TX. No annual fee or foreign transaction fee.
Credit card score 75 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Variable APR based on Prime Rate index plus margin. No annual fees. Visa Platinum requires a $6,000 minimum limit. Maximum APR of 18%.
Credit card score 75 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 18.99%
11.74% APR, up to 18.99%
Terms
Annual Percentage Rate (APR) 11.74% to 18.99%. APR for Balance Transfers 11.74% to 18.99%; APR for Cash Advances 11.74% to 18.99%.
Credit card score 75 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 18.25%
11.74% APR, up to 18.25%
Terms
When you open your account, based on your creditworthiness. Variable based on Prime Rate.
Credit card score 75 · Carrot Score 61
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
Revolving term / up to $25,000 credit limit. No annual cash advance or balance transfer fee. Minimum monthly payment is 2% of outstanding balance or $25.00. 25-day grace period on purchases.
Credit card score 74 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as · up to 18.00%
11.75% APR, up to 18.00%
Terms
Quoted as as low as 11.75% APR on approved credit; APR can range from 11.75% to 18.00% and varies with the market based on the prime rate. Maximum Line of Credit $500.00 – $30,000.00. Revolving term.
Credit card score 74 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as
Credit card score 74 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - California Coast Credit UnionPlatinum Mastercard® Credit Card · No annual fee
Credit union · 26 branches
11.88%APRas low as · up to 15.88%11.88% APR, up to 15.88%
Terms
Standard variable APR for purchases, balance transfers, and cash advances based on Prime Rate and creditworthiness.
Credit card score 74 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Purchases APR: 11.9%. No Annual Fees.
Credit card score 73 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 18.00%
11.90% APR, up to 18.00%
Terms
Fixed APR for purchases based on credit history. No annual fee. Global acceptance with no foreign transaction fee.
Credit card score 73 · Carrot Score 69
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 16–22
- 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