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 1741–1755 of 2,141 nationwide · median 10.90% APR
- 12.99%APRas low as
Credit card score 67
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
25-day interest-free grace period on purchases.
Credit card score 67 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 18.00%
12.99% APR, up to 18.00%
Terms
Variable APR based on Prime Rate published in WSJ on the last business day of the prior month. Initial APR ranges from 12.99% to 18.00% based on creditworthiness. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee, no cash advance fee and no foreign transaction fee. Balance transfers are subject to a 3% fee on the transaction amount. Rate current as of 10/21/26 on rate sheet; product page states as of 10/01/26.
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 17.50%
12.99% APR, up to 17.50%
Terms
Standard variable rate after 6 months on purchases based on creditworthiness. No annual or application fees.
Credit card score 67 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Credit card score 67 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 19.99%
12.99% APR, up to 19.99%
Terms
Rates shown are lowest available and are based on applicant credit history; your rate may be higher.
Credit card score 67 · Carrot Score 62
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
APR based on credit ratings and term of loan.
Credit card score 67 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 18.00%
12.99% APR, up to 18.00%
Terms
APR for purchases: 12.99% to 18.00% depending on creditworthiness.
Credit card score 67 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
APR starting at / as low as 12.99%. Credit limit up to $25,000. No annual fee, no minimum finance charges, no foreign transaction fees, no cash advance fee, and no balance transfer fee (balance transfer fees may apply during promotions).
Credit card score 67 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 19.99%
12.99% APR, up to 19.99%
Credit card score 67
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Standard rate designed for valued members (not an introductory offer).
Credit card score 67
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 27.99%
12.99% APR, up to 27.99%
Terms
Revolving credit. Credit limit $500 to $40,000. Rates and terms subject to change and based on creditworthiness. Minimum payment is 2% for APR under 24.00%, 3% for APR above 24.00%.
Credit card score 67 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
Purchases APR. Subject to credit approval, income verification, and employment verification.
Credit card score 66 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as · up to 22.99%
12.99% APR, up to 22.99%
Terms
Variable APR thereafter based on creditworthiness. $0 intro annual fee for the first year, then $49/year.
Credit card score 64 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as
Terms
Revolving term. The APR is a variable rate and may increase or decrease quarterly based on the Prime Rate. Minimum Payment Requirement is 3% of the outstanding balance, subject to a minimum of $25.00.
Credit card score 66 · 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
2,141 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?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank