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 1636–1650 of 2,142 nationwide · median 10.90% APR
- 12.75%APRas low as
Credit card score 69 · Carrot Score 61
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
The standard variable rate will apply to all purchase balances after the introductory period. Current rates vary between 12.75% - 18.00%.
Credit card score 69 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Based on your creditworthiness.
Credit card score 69 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Variable APR. All loans subject to approval and membership eligibility. Effective date: Friday, October 23rd, 2026.
Credit card score 69 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as · up to 20.75%
12.75% APR, up to 20.75%
Terms
12.75% - 20.75% variable APR on all purchases, balance transfers, and cash advances based on primary borrower’s creditworthiness.
Credit card score 69 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Tier A. Rate adjusted semi-annually (January & July); APR based on Prime rate as of 07/01/2026. Includes 25-day grace period on purchases and no balance transfer fees.
Credit card score 69 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Credit Limit: $500 - $20,000.
Credit card score 69 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as · up to 16.75%
12.75% APR, up to 16.75%
Terms
Standard variable APR determined by creditworthiness.
Credit card score 69 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Rate shown is the lowest rate available (floor rate), based on individual credit history. Rate applies to purchases, balance transfers, and cash advances. Subject to change without notice. No annual fee. No cash advance fee when using your Point Breeze Visa Credit Card at a Point Breeze office or ATM. Pay entire balance by due date each month to avoid paying interest on purchases.
Credit card score 69 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Variable rate. Limits of $500 to $20,000. Subject to approval.
Credit card score 69 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Variable APR. Credit line up to $30,000. No annual fee, no balance transfer fees, no cash advance fees.
Credit card score 69 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Fixed rate APR for purchases.
Credit card score 69 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Variable rate based on Prime+5.75%, currently 12.75%. Rates and terms based on individual credit worthiness and other restrictions may apply. Rates subject to change without notice.
Credit card score 69 · Carrot Score 80
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
Purchases / Balance Transfers. Variable APR based on the Wall Street Journal Prime Rate.
Credit card score 69 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as · up to 29.95%
12.75% APR, up to 29.95%
Terms
All loans subject to approval. Rates and terms based on individual's credit score and qualifications. Rates and terms subject to change. No annual fee. Credit limits starting at $300.
Credit card score 69 · Carrot Score 88
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