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 121–135 of 187 in California · median 11.50% APR
- 12.25%APRas low as · up to 18.00%
12.25% APR, up to 18.00%
Terms
Standard variable APR. No annual fee, balance transfer fee, or cash advance fee. Rates as low as 12.25% to 12.50% depending on credit rating.
Credit card score 71 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 18.15%
12.25% APR, up to 18.15%
Terms
Zero balance transfer fees. Rates and terms will vary based on the credit worthiness of individual applicants. APR will vary with the market, based on Prime Rate.
Credit card score 71 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.40%APRas low as
Credit card score 71 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 12.40%APRas low as
Terms
Fixed rate. No annual fee or balance transfer fee.
Credit card score 71 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 12.45%APRas low as · up to 24.45%
12.45% APR, up to 24.45%
Terms
Variable APR based on creditworthiness and Prime Rate. Applies to purchases, cash advances, and balance transfers.
Credit card score 71 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 17.99%
12.49% APR, up to 17.99%
Terms
Standard variable APR for purchases and cash advances based on creditworthiness; varies with the market based on Prime Rate.
Credit card score 70 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 18.00%
12.49% APR, up to 18.00%
Terms
Variable standard APR for purchases, balance transfers, and cash advances. Determined by credit history. Card features 1% cash back on net purchases.
Credit card score 70 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 21.90%
12.50% APR, up to 21.90%
Terms
Fixed APR determined by creditworthiness/qualifications. Credit limits range from $500 to $20,000. No annual fee, balance transfer fee, or over-limit fee.
Credit card score 70 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 18.00%
12.50% APR, up to 18.00%
Terms
Variable APR changing with market based on Prime rate, not to exceed 18%. Rate dependent upon credit qualifications/history.
Credit card score 70 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.60%APRas low as
Terms
Rate based on creditworthiness and term of loan. Maximum financing: $10,000.00.
Credit card score 70 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as
Terms
Variable Rate indexed to the Prime Rate. As low as 12.74%.
Credit card score 69 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Variable rate. Limits of $500 to $20,000. Subject to approval.
Credit card score 69 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
Low, fixed-rate of 12.9% APR (or 12.90% APR). 25-day grace period for purchases. No annual fee. Average daily balance finance charge method.
Credit card score 67 · Carrot Score 76
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
Fixed APR.
Credit card score 67 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
Fixed rate. Cash advance rates are the same as purchase rates. APR is based on an evaluation of creditworthiness. No application, annual, cash advance, or balance transfer fees.
Credit card score 67 · Carrot Score 80
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