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 55 in New Jersey · median 11.25% APR
- 11.90%APRas low as
Terms
Fixed rate option. No annual fee, no cash advance fee, no balance transfer fee.
Credit card score 73 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 14.00%
11.90% APR, up to 14.00%
Terms
FIXED rates based on credit worthiness. You will have a minimum of 25 days without a finance charge on new purchases if the total new balance is paid in full each month by the payment due date. Credit lines up to $20,000.
Credit card score 73 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - Harrison Police & Firemen's Federal Credit UnionVISA Credit Cards · No annual fee
Credit union · 1 branch
11.99%APRas low asTerms
Maximum $10,000
Credit card score 72 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 18.00%
12.00% APR, up to 18.00%
Terms
Fixed rate determined at account opening.
Credit card score 72 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Revolving term. APR varies based on credit score.
Credit card score 72 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 12.40%APRas low as
Terms
Non-Rewards Tier 1 regular purchase APR
Credit card score 71 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - Advanced Financial Federal Credit UnionVISA Everyday Classic · No annual fee
Credit union · 4 branches
12.49%APRas low asTerms
As low as 12.49% APR. Maximum APR on all credit card loans is 18.00%. No annual fee.
Credit card score 70 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as
Terms
Loan rates based on credit score. Rate starting at 12.50% (12.50% APR).
Credit card score 70 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Credit Limit: $500 - $20,000.
Credit card score 69 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - PFFCU – Police & Fire Federal Credit UnionPFFCU Rewards Visa Credit Card · No annual fee
Credit union · 3 branches
12.90%APRas low asTerms
Ongoing variable APR after the 12-month intro for purchases, balance transfers, and cash advances: Prime + 5.9%. Assigned from credit score at application among 5.9%, 9.9%, or 14.65% margins. Maximum APR 18.00%.
Credit card score 67 · Carrot Score 82
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 - 13.75%APRas low as · up to 18.00%
13.75% APR, up to 18.00%
Terms
Rates determined by creditworthiness. Variable rate subject to monthly change based on margin and index.
Credit card score 64 · Carrot Score 65
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 - 14.99%APRas low as · up to 18.25%
14.99% APR, up to 18.25%
Terms
Variable rate for purchases depending on creditworthiness at account opening. Credit line from $500 to $10,000.
Credit card score 62 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 15.24%APRas low as · up to 25.24%
15.24% APR, up to 25.24%
Terms
Variable standard purchase and balance transfer APR based on Prime Rate (7.25%) and creditworthiness.
Credit card score 62
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