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.
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Top credit card rates
Showing 151–165 of 2,143 nationwide · median 10.90% APR
- 8.64%APRas low as
Terms
Fixed-Rate; No annual fee, balance transfer fee, or cash advance fee
Credit card score 89 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 8.70%APRas low as
Terms
Variable APR as low as 8.45% based on the WSJ Prime Rate plus a margin. Rate adjusts monthly on the first day of the billing cycle. Not all applicants will qualify for the lowest rate. Actual rate depends on individual creditworthiness. Any increase in APR will take the form of additional minimum payments. If the Prime Rate index becomes unavailable, a comparable replacement index will be substituted.
Credit card score 89 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 8.71%APRas low as
Terms
Annual fee waived with $250 monthly direct deposit. Requires 720+ credit score.
Credit card score 87 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 8.74%APRas low as
Terms
Variable rate; no balance transfer fee.
Credit card score 89 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 8.74%APRas low as · up to 17.99%
8.74% APR, up to 17.99%
Terms
Variable regular APR based on creditworthiness; lowest rate assumes excellent credit history. No annual, balance transfer, or cash advance fees.
Credit card score 89 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Terms
Rates are presented as low as and are subject to change. Requires application and approved credit. No annual fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Purchases. Rate assumes A credit with automatic payment made from an E&G checking account.
Credit card score 89 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Terms
Fixed rate APR for purchases, balance transfers, and cash advances. 25-day grace period on purchases.
Credit card score 89 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Terms
Fixed rate. 28-day grace period on purchases. No balance transfer fee. No fee on cash advances.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Terms
Subject to credit approval. No annual fee, no balance transfer fee, and no penalty rates for late payments. Low cash advance fee (greater of $25.00 or 1% of advance).
Credit card score 89 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Terms
Rates as low as 8.75% APR depending on creditworthiness. No annual fee, balance transfer fee, cash advance fee, inactivity fee, or foreign transaction fee.
Credit card score 89 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Terms
Standard APR for purchases and balance transfers; varies with market based on Prime Rate. Applies after introductory periods.
Credit card score 89 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Terms
Rate applies to purchases, balance transfers, and cash advances. Requires credit qualification. Minimum $5,000 credit limit for qualified applicants.
Credit card score 89 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as · up to 18.00%
8.75% APR, up to 18.00%
Terms
Regular variable rate based on an evaluation of creditworthiness criteria and Wall Street Journal Prime Rate ('index') plus or minus the margin as disclosed in credit agreement. Applies to purchases, balance transfers, and cash advances. APR will not exceed 18%. Rate quoted as of 10/16/2026.
Credit card score 89 · Carrot Score 93
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
2,143 banks and credit unions · checked Oct 15–22
- 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?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank