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 61–75 of 89 in Virginia · median 11.35% APR
- 12.24%APRas low as · up to 18.00%
12.24% APR, up to 18.00%
Terms
Standard variable APR for purchases depending on credit history; varies with market based on Prime Rate.
Credit card score 71 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 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 - 12.49%APRas low as · up to 17.99%
12.49% APR, up to 17.99%
Terms
Purchase rate for VCU Black & Gold Essential Mastercard option. Variable rate based on prime.
Credit card score 70 · Carrot Score 88
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 - 12.74%APRas low as · up to 20.00%
12.74% APR, up to 20.00%
Terms
Annual Percentage Rate (APR) for purchases as low as 12.49% variable. Purchase APR equals Prime Rate plus 5.74% (A+ rating) up to 13.00% (C/D rating), max 18%.
Credit card score 69 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as · up to 18.00%
12.75% APR, up to 18.00%
Terms
Variable APR for purchases based on Prime Rate.
Credit card score 69 · Carrot Score 72
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 - 12.99%APRas low as
Terms
APR starting at / as low as 12.99%. Credit limit up to $25,000. No annual fee, no minimum finance charges, no foreign transaction fees, no cash advance fee, and no balance transfer fee (balance transfer fees may apply during promotions).
Credit card score 67 · Carrot Score 93
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 - 13.49%APRas low as · up to 18.49%
13.49% APR, up to 18.49%
Terms
Variable APR based on the Prime Rate and creditworthiness. Applies to purchases, balance transfers, and cash advances. No annual fee, foreign transaction fee, balance transfer fee, or cash advance fee.
Credit card score 66 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as
Terms
Annual Percentage Rate (APR) for Purchases: 13.50%. Monthly periodic rate of 1.1250%.
Credit card score 65
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as
Terms
Due date is at least 25 days after the close of each billing cycle; no interest on purchases if entire balance is paid by due date each month. Balance calculated using Average Daily Balance method. Late payment fee: $10.00 if 20 days or more late.
Credit card score 65 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 16.00%
13.50% APR, up to 16.00%
Terms
Rate depends on creditworthiness. Variable rate.
Credit card score 65 · Carrot Score 89
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 is 15.24% - 18.00%, adjusted quarterly to WSJ Prime rate plus margin of 6.74% - 15.74%. No annual fee.
Credit card score 65 · 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
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