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 1726–1740 of 2,141 nationwide · median 10.90% APR
- 12.99%APRas low as
Terms
Credit scores 680+.
Credit card score 67 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 17.99%
12.99% APR, up to 17.99%
Terms
Rates vary with amount financed, term, and credit history. Limits from $300.00 to $25,000. 25-day grace period on purchases.
Credit card score 67 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Variable Rate. Rates as low as 12.99% APR*. Late fee up to $25. Returned payment fee up to $25. Average daily balance including new purchases.
Credit card score 67 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 24.99%
12.99% APR, up to 24.99%
Terms
Purchase, Balance Transfer, and Cash Advance APR. Stated as low as 12.99% APR (ranging from 12.99% to 24.99% APR). Rates based on creditworthiness. No annual fee.
Credit card score 67 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Rates as low as 12.99% APR based on credit history, other rates may apply.
Credit card score 67 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Credit card score 67 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Credit card score 67 · Carrot Score 67
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 28.74%
12.99% APR, up to 28.74%
Terms
Regular variable APR on purchases based on creditworthiness, varying with the market based on the Prime Rate.
Credit card score 67 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Purchase APR. Daily periodic rate is 0.03559%.
Credit card score 67 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Fixed non-variable rate. Rates listed are our best rates; your rate may be higher depending on credit history and underwriting criteria. Same rate for purchases & cash back transactions.
Credit card score 67 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Variable rate based on credit score.
Credit card score 67 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Fixed purchase APR as low as 12.99%. No annual fee, no balance transfer fee, and no cash advance fee.
Credit card score 67 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Qualification is based on an assessment of individual creditworthiness and our underwriting standards. 25 day grace period after billing to repay purchases without incurring finance charges.
Credit card score 67 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 17.99%
12.99% APR, up to 17.99%
Terms
Fixed APR for Purchases based on creditworthiness when account is opened. Rate is accurate as of November 13, 2023. 21-day grace period on purchases. No annual fee.
Credit card score 67 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Competitive variable rate as low as 12.99%; 25 day grace period on purchases; Credit Line up to $25,000.00.
Credit card score 67 · Carrot Score 75
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
2,141 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