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 1561–1575 of 2,142 nationwide · median 10.90% APR
- 12.49%APRas low as · up to 24.00%
12.49% APR, up to 24.00%
Terms
Purchase APR based on creditworthiness; variable with the market based on the Prime Rate.
Credit card score 70 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Adjusted quarterly. APR is variable and will vary with the market based on the Prime Rate. Excludes the 1.00% discount for automatic payments from an Active Checking Account.
Credit card score 70 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 18.00%
12.49% APR, up to 18.00%
Credit card score 70 · Carrot Score 80
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
Standard variable APR for purchases and cash advances based on creditworthiness; varies with the market based on Prime Rate.
Credit card score 70 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - TexHillCo School Employees Federal Credit UnionMastercard Platinum Credit Card · No annual fee
Credit union
12.49%APRas low asTerms
Rate advertised as 'As Low As' effective October 23, 2026. Terms subject to agreement.
Credit card score 70 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 18.00%
12.49% APR, up to 18.00%
Terms
Rate options: 12.49%, 12.74%, 14.74%, or 18.00% based on creditworthiness. Applies to purchases, balance transfers, and cash advances. Variable APR based on Prime Rate.
Credit card score 70 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as · up to 18.00%
12.49% APR, up to 18.00%
Terms
Variable standard APR for purchases, balance transfers, and cash advances. Determined by credit history. Card features 1% cash back on net purchases.
Credit card score 70 · Carrot Score 73
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 - 12.50%APRas low as
Terms
All loans are subject to credit approval. Actual rates are based on individual credit worthiness.
Credit card score 70 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as
Terms
Standard variable APR based on prime rate and credit history.
Credit card score 70 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 21.90%
12.50% APR, up to 21.90%
Terms
Fixed APR determined by creditworthiness/qualifications. Credit limits range from $500 to $20,000. No annual fee, balance transfer fee, or over-limit fee.
Credit card score 70 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as
Terms
Fixed rate. APR tiered based upon credit worthiness of the borrowers and other criteria. No annual, monthly maintenance, balance transfer, or cash advance fees.
Credit card score 70 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 18.00%
12.50% APR, up to 18.00%
Terms
Variable APR changing with market based on Prime rate, not to exceed 18%. Rate dependent upon credit qualifications/history.
Credit card score 70 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as
Terms
Variable APR based on Prime Rate (Wall Street Journal) plus a margin of 5.50%. Max rate 18%. Adjusted quarterly. Minimum credit limit is $500, maximum is $50,000.
Credit card score 70 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 18.00%
12.50% APR, up to 18.00%
Terms
Non-variable APR ranges from 12.50% to 18.00% dependent on creditworthiness. No annual fee.
Credit card score 70 · 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