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 16–30 of 55 in New Jersey · median 11.25% APR
- 9.99%APRas low as
Terms
Fixed rate. Borrow up to $25,000. No annual fee. No balance transfer fee.
Credit card score 82 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Regular purchase APR after the introductory 6 months. Determined by risk-based lending and credit scoring.
Credit card score 82 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; tied to the U.S. Prime Rate.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.45%APRas low as
Terms
Rates as low as 10.45% APR. Maximum limit $25,000. Determined by credit history and payment method. No annual fee. No balance transfer fee.
Credit card score 81 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as · up to 18.00%
10.50% APR, up to 18.00%
Terms
Variable APR for purchases and cash advances based on creditworthiness and the Prime Rate.
Credit card score 81 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - Members 1st of NJ Federal Credit UnionVISA Platinum Credit Card · No annual fee
Credit union · 3 branches
10.50%APRas low as · up to 18.00%10.50% APR, up to 18.00%
Terms
Rates shown are subject to change and are for qualified borrowers; rate varies based on credit history.
Credit card score 81 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 10.74%APRas low as · up to 17.00%
10.74% APR, up to 17.00%
Terms
Rate is variable (Prime Rate plus margin of 3.74%, 6% or 10%, max 18%). Subject to creditworthiness. No annual fee, no balance transfer fees, no cash advance fees, no penalty APR.
Credit card score 80 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - Campbell Federal Credit UnionMastercard Classic Red & White Credit Card · No annual fee
Credit union · 2 branches
10.90%APRas low asTerms
Non Variable rate of 10.9% APR. No Annual Fee. No transaction or cash advance fee. 25-day grace period on purchases. Credit limits from $300 to $25,000.
Credit card score 79 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
For loan approval, minimum credit score must be at least 600.
Credit card score 79 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - Mercer County NJ Teachers' Federal Credit UnionVisa Credit Card · No annual fee
Credit union · 1 branch
10.99%APRas low asTerms
Rate based on creditworthiness of individual applicant and subject to change without notice.
Credit card score 77 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 16.99%
10.99% APR, up to 16.99%
Terms
Fixed APR for purchases, balance transfers, and cash advances (tiers: 10.99%, 14.99%, 15.99%, 16.99%). Rates based on individual creditworthiness. Penalty APR 18.00% if payment 60 days late. 25-day grace period on purchases. Average daily balance calculation method.
Credit card score 77 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - Liberty Savings Federal Credit UnionVisa Rewards Credit Card · No annual fee
Credit union · 4 branches
11.00%APRas low as · up to 18.00%11.00% APR, up to 18.00%
Terms
Member-only rates as low as 11.00% APR; never pay over 18% APR. Rates and terms based upon creditworthiness.
Credit card score 77 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.25%APRas low as · up to 18.00%
11.25% APR, up to 18.00%
Terms
The APR and credit limit are based on an individual's credit worthiness. The APR will vary with the market based on the Prime Rate. No annual fee.
Credit card score 76 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Purchase APR as low as Prime + 4.49%. As Low As rates include Riegel FCU Autopay discount, when applicable.
Credit card score 76 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 11.70%APRas low as
Terms
Best Rate may vary based on personal credit history and other factors.
Credit card score 75 · Carrot Score 90
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 New Jersey
55 banks and credit unions · checked Oct 16–22
- Typical
- 11.25%
- Top 10% up to
- 9.90%
- Banks, typical
- 17.00%
- Credit unions, typical
- 10.94%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
New Jersey
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altra Federal Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 1 branch
- Bridgeton Onized Federal Credit UnionCredit union · 2 branches