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 31–45 of 50 in Maryland · median 11.74% APR
- 12.40%APRas low as
Terms
Fixed rate as low as 12.4% APR. Subject to credit approval.
Credit card score 71 · Carrot Score 93
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 - 12.75%APRas low as
Terms
Rate shown is the lowest rate available (floor rate), based on individual credit history. Rate applies to purchases, balance transfers, and cash advances. Subject to change without notice. No annual fee. No cash advance fee when using your Point Breeze Visa Credit Card at a Point Breeze office or ATM. Pay entire balance by due date each month to avoid paying interest on purchases.
Credit card score 69 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Without Card Rewards program. Variable ongoing rate as low as Prime + 5.9% (maximum 18.0% APR). Assumes FICO score of 730+. Credit limits from $300 up to $20,000. Minimum payment is 2% of balance or $25.
Credit card score 67 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 18.00%
12.99% APR, up to 18.00%
Terms
Variable APR based on Prime Rate published in WSJ on the last business day of the prior month. Initial APR ranges from 12.99% to 18.00% based on creditworthiness. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee, no cash advance fee and no foreign transaction fee. Balance transfers are subject to a 3% fee on the transaction amount. Rate current as of 10/21/26 on rate sheet; product page states as of 10/01/26.
Credit card score 67 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as
Terms
Variable rate of Wall Street Prime + 6% (13.00%). Minimum monthly payment: 2.5% of total new balance or $25, whichever is greater. No interest on purchase balances paid within 25 days of statement closing dates. Maximum financed $30,000. Rewards points.
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 - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 65 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 20.74%
13.74% APR, up to 20.74%
Terms
Variable APR (NOR version).
Credit card score 65 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 21.74%
13.74% APR, up to 21.74%
Terms
Standard purchase rate based on creditworthiness; variable with market based on Prime Rate.
Credit card score 65 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 13.75%APRas low as
Terms
Rate is Prime + 6.75%. Variable rate based on the Prime Rate published in The Wall Street Journal, adjusting monthly on the first day of each month. Subject to creditworthiness. Rate changes may not take effect until 60 days after review.
Credit card score 64 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Low ongoing rate: Prime+ 6.99%. 25-day interest-free grace period on all purchases, except cash advances.
Credit card score 63 · Carrot Score 84
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 - 14.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Variable rate, as low as 14.00% APR.
Credit card score 63 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 18.00%
14.00% APR, up to 18.00%
Terms
Variable APR currently 14.00% to 18.00% as displayed on secondary card table. Annual fee is waived for the first year, then $25/year (waived with $1,000+ in transactions over 12 months). Balance transfer fee after initial 12 months is $10 or 2.5% of transfer amount, whichever is greater.
Credit card score 63 · Carrot Score 79
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 Maryland
50 banks and credit unions · checked Oct 16–22
- Typical
- 11.74%
- Top 10% up to
- 8.99%
- Banks, typical
- 13.74%
- Credit unions, typical
- 10.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Maryland
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 13 branches
- Tower Federal Credit UnionCredit union · 17 branches
- EagleBankBank · 7 branches