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 46–60 of 89 in Virginia · median 11.35% APR
- 11.49%APRas low as · up to 18.00%
11.49% APR, up to 18.00%
Terms
Rates based on creditworthiness. Variable APR based on Prime Rate. Maximum credit line up to $35,000. No annual fee. Foreign transaction fee is 1.00%. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases.
Credit card score 76 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - 1st Advantage Federal Credit Union1st Advantage Standard Mastercard · No annual fee
Credit union · 12 branches
11.50%APRas low asTerms
Standard variable APR determined by credit history. No balance transfer fee, no cash advance fee. Method used to compute purchase balance is Average Daily Balance.
Credit card score 75 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 11.65%APRas low as · up to 18.00%
11.65% APR, up to 18.00%
Terms
After the introductory period, the rate will return to the variable rate based on credit qualifications, currently 11.65% - 18.00% APR as of October 3, 2026 and subject to change.
Credit card score 75 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 22.74%
11.74% APR, up to 22.74%
Terms
Standard variable purchase, balance transfer, and cash advance APR is 11.74% - 22.74%, based on creditworthiness.
Credit card score 75 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as
Terms
As low as 11.75% Variable APR. Subject to credit approval; APR based on credit history. High credit limit up to $20,000. 25-day grace period. No annual fee. No over-limit fee. Cash advances available.
Credit card score 74 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Monthly payment: 3% of balance, $15 minimum. Credit lines from $3,000 to $50,000. Rates effective as of 10/19/2026. Variable APR as low as 11.90%.
Credit card score 73 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - Lafayette Federal Credit UnionPlatinum Mastercard® Credit Card · No annual fee
Credit union · 3 branches
11.90%APRas low as · up to 18.00%11.90% APR, up to 18.00%
Terms
Purchase, Balance Transfer and Cash Advance APR. Variable rate determined by creditworthiness at account opening; margin of 4.90% to 13.90% over WSJ Prime Rate, maximum 18.00% APR.
Credit card score 73 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
As low as rate. Standard APRs for purchases and balance transfers will apply and is subject to change. Earn 1% cash back up to $50 monthly ($600 annually) on eligible purchases. Subject to credit approval. Minimum and maximum credit limits apply.
Credit card score 73 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Fixed rate of 11.90% APR for purchases. 25-day grace period. Minimum interest charge is $1.00.
Credit card score 73 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Rates shown are lowest possible rates currently offered; other rates available based on credit profile and loan terms. Minimum payment is 2.5% of outstanding balance or $15.00, whichever is greater. Same low rate for purchases, balance transfers, and cash advances.
Credit card score 72 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 17.99%
11.99% APR, up to 17.99%
Terms
No monthly or annual service fees. No balance transfer fees. No cash advance fees. No foreign transaction fees. Competitive variable rates with the same rate for cash advances, balance transfers, and purchases. APR varies with the market based on the Prime Rate. Credit limits from $500 to $20,000. Balance transfers cannot be applied to existing Homebase CU loans.
Credit card score 72 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 18.00%
11.99% APR, up to 18.00%
Terms
Variable APR based on U.S. Prime Rate. Rates capped at 18.00% APR. Specific APR depends on creditworthiness and underwriting standards.
Credit card score 72 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Low fixed rate.
Credit card score 72 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
No balance transfer fee. Subject to creditworthiness and qualifications.
Credit card score 72 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - Newport News Municipal Employees Credit UnionGlobal Rewards VISA · No annual fee
Credit union · 2 branches
12.00%APRas low asTerms
Fixed rate. No extra fees or charges for balance transfers.
Credit card score 72 · 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 Virginia
89 banks and credit unions · checked Oct 15–22
- Typical
- 11.35%
- Top 10% up to
- 8.90%
- Banks, typical
- 13.74%
- Credit unions, typical
- 10.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Virginia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 1 branch
- Langley Credit UnionCredit union · 19 branches
- EagleBankBank · 3 branches