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 1621–1635 of 2,142 nationwide · median 10.90% APR
- 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 - 12.74%APRas low as
Terms
Lowest ongoing purchase APR starting as low as 12.74%. Advertised rate based on a credit score of 700 or higher. Varies with the market based on Wall Street Prime and creditworthiness.
Credit card score 69 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as
Terms
Rate is as low as 12.74% for credit tier 750+. APR varies by creditworthiness. Grace period is 25 days on new purchases; balance computed via average daily balance including new transactions. No balance transfer fees.
Credit card score 69 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as
Terms
Rates as low as. Qualification is based on an assessment of individual creditworthiness and underwriting standards. Variable rate, subject to change monthly. No annual fee.
Credit card score 69 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 17.45%
12.74% APR, up to 17.45%
Terms
Variable APR based on Prime Rate plus a margin of 5.74% to 10.45% based on creditworthiness.
Credit card score 69 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 22.74%
12.74% APR, up to 22.74%
Terms
Competitive variable APR from 8.99% to 18.99% after the first 12 billing cycles, determined by adding a margin to the highest U.S. Prime Rate published in the Wall Street Journal (based on a 3.25% Prime Rate).
Credit card score 69 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 20.74%
12.74% APR, up to 20.74%
Terms
After that, a variable rate, that is Prime +5.74% to Prime +13.74% APR applies, based on creditworthiness. The APR will not exceed 23.99%.
Credit card score 69
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as
Terms
Purchase APR. Variable based on Prime Rate (Prime + 5.74% margin).
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Standard ongoing fixed rate of 12.75% APR applies to purchases after the promotional period, reverting on March 1, 2027.
Credit card score 69 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Credit score 730+ (Grade A+). Automatic Transfer/ACH and protection discounts may reduce rate up to max discount of 0.50%.
Credit card score 69 · Carrot Score 84
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 - 12.75%APRas low as · up to 19.75%
12.75% APR, up to 19.75%
Terms
Standard ongoing variable APR based on creditworthiness and Prime Rate as published in The Wall Street Journal on the last business day of each calendar quarter, plus margin determined by credit score at application.
Credit card score 69 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Maximum loan amount $5,000.00. Down payment N/A. Interest rates and down payment are subject to borrower's credit history.
Credit card score 69 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Annual Percentage Rate (APR) for Purchases. Grace period of at least 25 days with no interest on purchases if entire balance paid by due date each month.
Credit card score 69 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Credit card score 69
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