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.
Choose a location to see banks and credit unions with a branch near you.
Top credit card rates
Showing 1486–1500 of 2,142 nationwide · median 10.90% APR
- 12.00%APRas low as
Terms
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 - 12.00%APRas low as · up to 21.00%
12.00% APR, up to 21.00%
Terms
Discrete APR tiers are 11.75%, 14.75%, 17.75%, or 20.75% depending on credit history. Covers Purchases, Cash Advances & Balance Transfers.
Credit card score 72 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Credit card score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Revolving credit line ($5,000 min, $15,000 max). No annual fee. No cash advance or balance transfer fees.
Credit card score 72 · Carrot Score 92
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 - 12.00%APRas low as
Terms
Standard APR as low as 12.00%. No annual fee, no balance transfer fee, no application fee.
Credit card score 72 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Purchase APR is variable, equal to Prime Rate plus a margin of 5.00%. Prime Rate was 6.75% as of January 10, 2026. Monthly periodic rate 0.9792%. Minimum interest charge $0.50.
Credit card score 72 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 18.25%
12.00% APR, up to 18.25%
Terms
Purchases. Variable rate based on Prime rate with an 18.00% ceiling.
Credit card score 72 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Loans subject to credit approval. Rates, terms, and conditions vary based on creditworthiness and qualifications and are subject to change.
Credit card score 72 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
12% APR regardless of credit score. Non-variable rate. No annual fee.
Credit card score 72 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 16.50%
12.00% APR, up to 16.50%
Terms
Rates are based on creditworthiness and vary with the Prime Rate. Maximum limit $25,000. Membership and eligibility required. Must be at least 18 years of age.
Credit card score 72 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
25 days grace period for purchases. Average Daily Balance (Including new purchases).
Credit card score 72 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.15%APRas low as · up to 18.00%
12.15% APR, up to 18.00%
Terms
APR as low as 12.15%. Variable rate subject to change. Maximum APR that can apply is 18.00%. Transaction applicability not explicitly specified.
Credit card score 72 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 12.15%APRas low as
Terms
APR As Low As 12.15%. Qualifications may apply. No annual fee.
Credit card score 72 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.15%APRas low as · up to 17.15%
12.15% APR, up to 17.15%
Terms
Rates range from 11.90% to 16.90% based on creditworthiness. APR will vary with the market based on the Prime Rate.
Credit card score 72 · Carrot Score 89
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 nationwide
2,142 banks and credit unions · checked Oct 22–28
- Typical
- 10.90%
- Top 10% up to
- 8.90%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank