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 1516–1530 of 2,142 nationwide · median 10.90% APR
- 12.25%APRas low as · up to 17.99%
12.25% APR, up to 17.99%
Terms
Based on creditworthiness. APR will vary with the market based on the Prime Rate.
Credit card score 71 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 20.25%
12.25% APR, up to 20.25%
Terms
Variable APR. Actual rate may vary based on creditworthiness and terms. Minimum 28-day grace period on purchases. No balance transfer fee and no over limit fee.
Credit card score 71 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 18.00%
12.25% APR, up to 18.00%
Terms
Variable APR based on Prime Rate / WSJP plus a margin, determined by creditworthiness.
Credit card score 71 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 18.00%
12.25% APR, up to 18.00%
Terms
Standard variable APR. No annual fee, balance transfer fee, or cash advance fee. Rates as low as 12.25% to 12.50% depending on credit rating.
Credit card score 71 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as
Terms
Standard rate; As low as.
Credit card score 71 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as
Terms
Lowest rate advertised; individual rate may vary based on applicant credit, payment history, collateral, term of loan, and percent of product financed.
Credit card score 71 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as
Terms
Standard variable APR for purchases, cash advances, and balance transfers based on creditworthiness when you open your account.
Credit card score 71 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 20.25%
12.25% APR, up to 20.25%
Terms
Variable APR for purchases based on creditworthiness; rate varies with Prime rate.
Credit card score 71 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as
Terms
Variable APR currently as low as 12.25%. Maximum credit line $15,000. No balance transfer fee.
Credit card score 71 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 17.00%
12.25% APR, up to 17.00%
Terms
Rates determined by credit score. Limits based on income and ability to pay if qualified.
Credit card score 71 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 17.90%
12.25% APR, up to 17.90%
Terms
Variable APR based on creditworthiness, varies with the market based on the Prime Rate. Applies after the introductory period. Maximum loan amount up to $35,000.
Credit card score 71 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 18.25%
12.25% APR, up to 18.25%
Terms
Rates are based on your credit score. APR is based on the Wall Street Journal Prime Rate plus a margin and will vary with Prime. The maximum APR is 18%. Subject to credit approval.
Credit card score 71 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 18.15%
12.25% APR, up to 18.15%
Terms
Rates and terms vary based on creditworthiness. APR varies with the market based on Prime Rate. Credit limit $1,000 - $50,000. Zero balance transfer fees.
Credit card score 71 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as
Terms
Variable APR as low as WSJ Prime + 5.25% or higher (currently 12.25% variable APR based on WSJ Prime of 7.00% as of September 16, 2026). Same rate applies to purchases, cash advances & balance transfers (after intro). No cash advance fees. Rates can change monthly.
Credit card score 71 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 12.40%APRas low as
Terms
Non-Rewards Tier 1 regular purchase APR
Credit card score 71 · Carrot Score 96
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