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 1501–1515 of 2,142 nationwide · median 10.90% APR
- 12.15%APRas low as
Credit card score 72 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.20%APRas low as · up to 21.70%with conditions
12.20% APR, up to 21.70%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate subject to change with the market based on the Prime Rate. Rate shown includes 0.50% discount for automatic payments from an American First account; if canceled, rate may increase by 0.50%.
Credit card score 72 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as · up to 17.99%
12.24% APR, up to 17.99%
Terms
Variable rate ranging from 12.24% - 17.99% APR depending on credit qualifications. Minimum approved amount is $5,000.
Credit card score 71 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as
Terms
Rates based on credit score. Purchase APR, Balance Transfer APR, and Cash Advance APR are 12.24% (monthly periodic rate of 1.02%). Variable APR.
Credit card score 71 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as
Terms
Rate is variable and based on creditworthiness, approximate term, and security offered. No annual fee and no balance transfer fee.
Credit card score 71 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as · up to 17.99%
12.24% APR, up to 17.99%
Terms
Interest rate shown is 'as low as'. Variable APR varies based upon creditworthiness. Maximum APR 17.99%. Variable rate based on Prime Rate (7.00%) plus margin of +5.24% to 14.49%.
Credit card score 71 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as · up to 18.00%
12.24% APR, up to 18.00%
Terms
Includes balance transfers and cash advances. Credit lines from $500 to $25,000.
Credit card score 71 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 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 - 12.24%APRas low as · up to 22.44%
12.24% APR, up to 22.44%
Terms
Purchases; variable APR based on creditworthiness.
Credit card score 71 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as · up to 18.00%
12.24% APR, up to 18.00%
Terms
Revolving repayment term. No cash advance fees, no balance transfer fees. 1% cash back on all purchases automatically deposited quarterly into savings account on the 15th day (or next business day) of January, April, July, and October.
Credit card score 71 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as
Terms
Variable APR as low as 12.24% for purchases. Qualification and rate is based on an assessment of individual creditworthiness and underwriting standards.
Credit card score 71 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as
Terms
Credit score range 760+. Rate formula: (Current Prime Rate) + 5.24 = 12.74%. Monthly periodic rate 1.0200%.
Credit card score 71 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as · up to 17.99%
12.24% APR, up to 17.99%
Terms
This APR will vary with the market based on the Prime Rate. No annual fee, no balance transfer fee, no cash advance fee.
Credit card score 71 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as
Terms
Credit Union membership required with a minimum $5.00 share account.
Credit card score 71 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as
Terms
Variable rate.
Credit card score 71 · Carrot Score 87
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