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 138 in New York · median 10.50% APR
- 10.90%APRas low as
Terms
Rates as low as 10.90% APR. Actual rates may vary. Subject to credit approval and application, as well as Prime Rate.
Credit card score 79 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Fixed APR on purchases; based on credit history and qualification. 25-day grace period on purchases. Credit line up to $10,000.
Credit card score 79 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Credit card score 79 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 10.95%APRas low as
Terms
Fixed rate of 10.95% APR for qualified borrowers.
Credit card score 78 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - Alternatives Federal Credit UnionAlternatives VISA Credit Card · No annual fee
Credit union · 2 branches
10.99%APRas low asTerms
Credit Bureau Score 740+
Credit card score 77 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Fixed rate.
Credit card score 77 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - Generations United Federal Credit UnionVISA Classic Credit Card · No annual fee
Credit union · 1 branch
11.00%APRas low asTerms
Credit Score > 800
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 18.25%
11.25% APR, up to 18.25%
Terms
Regular variable rate applies to purchases, balance transfers, and cash advances. Variable rate is based on highest Prime Rate published in The Wall Street Journal on the last business day of the month preceding the current calendar quarter plus a margin based on a six-month credit review. Maximum 18.00% APR.
Credit card score 76 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.40%APRas low as · up to 18.00%
11.40% APR, up to 18.00%
Terms
11.40% – 18.00% APR. Same APR for purchases, cash advances, and balance transfers. No annual fees or balance transfer fees. Maximum APR capped at 18%. Rate is subject to change.
Credit card score 76 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Terms
Variable APR based on Prime + 4.50% (changes quarterly). Current APR for purchases and cash advances is Prime + 4.50% APR (11.25%). Average daily balance method including new purchases. 25-day grace period for purchases. $0 cash advance fee, $0 balance transfer fee, $0 annual fee.
Credit card score 75 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 17.99%
11.50% APR, up to 17.99%
Terms
Variable rate varies from 11.50% to 17.99% APR based on one's credit at account opening and whether the rewards option is chosen
Credit card score 75 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.70%APRas low as · up to 18.00%
11.70% APR, up to 18.00%
Terms
After the promotional period, the cardholder's purchase APR will default to the regular non-promotion variable APR of Prime rate + a margin (disclosed at account opening). Current Prime rate is 7.00%. Maximum rate is 18%. Variable Rate APR as low as 11.70% (also cited as starting at 11.45% APR in FAQ on p15). Subject to credit approval.
Credit card score 75 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - Advantage Financial Federal Credit UnionPreferred Rate Credit Card · No annual fee
Credit union · 2 branches
11.74%APRas low as · up to 18.00%11.74% APR, up to 18.00%
Terms
Rate formula based on WSJ Prime + 3.49% to WSJ Prime + 12.49%; credit limit up to $20,000
Credit card score 75 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Purchases. Variable rate based on creditworthiness.
Credit card score 75 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 18.25%
11.74% APR, up to 18.25%
Terms
When you open your account, based on your creditworthiness. Variable based on Prime Rate.
Credit card score 75 · Carrot Score 61
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 York
138 banks and credit unions · checked Oct 16–22
- Typical
- 10.50%
- Top 10% up to
- 8.42%
- Banks, typical
- 17.12%
- Credit unions, typical
- 10.22%
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 York
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 5 branches
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch