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 76–90 of 109 in Illinois · median 10.65% APR
- 12.50%APRas low as
Terms
Low, fixed rate. No annual fees and no balance transfer fees. Rate based on creditworthiness and membership eligibility.
Credit card score 70 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as
Terms
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES. 25 days grace period for repayment of balances for purchases. Method of computing balance: Average Daily Balance (including new purchases).
Credit card score 70 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 22.74%
12.74% APR, up to 22.74%
Terms
Competitive variable APR from 8.99% to 18.99% after the first 12 billing cycles, determined by adding a margin to the highest U.S. Prime Rate published in the Wall Street Journal (based on a 3.25% Prime Rate).
Credit card score 69 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as · up to 19.75%
12.75% APR, up to 19.75%
Terms
Standard ongoing variable APR based on creditworthiness and Prime Rate as published in The Wall Street Journal on the last business day of each calendar quarter, plus margin determined by credit score at application.
Credit card score 69 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Variable APR. Credit line up to $30,000. No annual fee, no balance transfer fees, no cash advance fees.
Credit card score 69 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as · up to 20.90%
12.90% APR, up to 20.90%
Terms
Fixed interest rate; rates based on creditworthiness; credit limits from $500 to $20,000; 25-day grace period on purchases
Credit card score 67 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
Rate based on qualifications and collateral.
Credit card score 67 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
APR as low as. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All Loans subject to approval.
Credit card score 67 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
Standard Fixed/Non-Variable Rate Card as low as 12.9% APR. Rates subject to risk-based pricing, minimum credit score restrictions, and standard underwriting guidelines.
Credit card score 67 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Competitive variable rate as low as 12.99%. Credit line up to $25,000.00. 25 day grace period on purchases.
Credit card score 67 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Eligible to qualified full-house members (defined as members who maintain a share draft and debit card account). Rates pertain to any new loan business on or after 03/01/2025, not previous loans.
Credit card score 66 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as
Terms
Variable rate quoted as low as 13.00% APR. Same rate for purchases, balance transfers, and cash advances. Rate based on creditworthiness and term of loan.
Credit card score 66 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 13.30%APRas low as
Terms
Variable APR based on Prime Rate; 'as low as' rate. No annual fee. 25-day grace period on purchases.
Credit card score 66 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 13.44%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Credit card score 66 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 16.00%
13.50% APR, up to 16.00%
Terms
Depending on credit worthiness.
Credit card score 65 · Carrot Score 89
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 Illinois
109 banks and credit unions · checked Oct 16–22
- Typical
- 10.65%
- Top 10% up to
- 8.90%
- Banks, typical
- 14.24%
- Credit unions, typical
- 9.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Illinois
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches
- Acme Continental Credit UnionCredit union · 1 branch