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 1786–1800 of 2,127 nationwide · median 10.90% APR
- 13.49%APRas low as · up to 18.25%
13.49% APR, up to 18.25%
Terms
Variable APR for purchases based on the Prime Rate. No annual fee.
Credit card score 66 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 21.49%
13.49% APR, up to 21.49%
Terms
Variable purchase APR.
Credit card score 66 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 16.75%
13.49% APR, up to 16.75%
Terms
Based on creditworthiness. APR may be higher based on past and present credit performance.
Credit card score 66 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 18.00%
13.49% APR, up to 18.00%
Terms
Variable rate. As low as rate based on credit score. Highest rate is 18.00%. Same low rate for purchases, cash advances, and balance transfers.
Credit card score 66 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 21.49%
13.49% APR, up to 21.49%
Terms
Ongoing variable APR after the introductory period.
Credit card score 66 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as
Terms
No annual fee, no balance transfer fee, no cash advance fee. Variable APR based on the Wall Street Prime Rate plus an applicable margin.
Credit card score 66 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 15.49%
13.49% APR, up to 15.49%
Terms
Variable APR based on credit history and score. No balance transfer fee.
Credit card score 66 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as
Terms
Variable purchase APR adjusts to 14.99% APR after the Intro period. Calculated as Prime Rate (7.00% as of 9/17/2026) + 6.49% margin (Maximum APR 24.00%).
Credit card score 66
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 22.49%
13.49% APR, up to 22.49%
Terms
Variable rate based on Prime rate and creditworthiness. Revolving credit line with $500 minimum to open and $35,000 maximum amount. 7,500 bonus points if $1,000 is spent in the first 3 months.
Credit card score 66 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 18.49%
13.49% APR, up to 18.49%
Terms
Variable APR based on the Prime Rate and creditworthiness. Applies to purchases, balance transfers, and cash advances. No annual fee, foreign transaction fee, balance transfer fee, or cash advance fee.
Credit card score 66 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as
Terms
Fixed rate; rate may change at any time. Rate you qualify to receive may vary depending on individual credit history and underwriting factors. No cash advance fee, no over-the-limit fee.
Credit card score 65 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as
Terms
Rate based on individual creditworthiness. Subject to credit approval.
Credit card score 65 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 18.00%
13.50% APR, up to 18.00%
Terms
Non-variable rate based on credit history and rate discounts up to 0.75% (excluding promotions). 25-day grace period for purchases. Same interest rate applies to cash advances and balance transfers. Minimum share balance $25.00 (fee assessed on accounts below minimum).
Credit card score 65 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as
Terms
APR as low as 13.50%, varying based on creditworthiness up to 18.00%. No annual fee. Terms may vary.
Credit card score 65 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as
Terms
Fixed APR of 13.50% for purchases, balance transfers, and cash advances. 25-day grace period on purchases when paid in full each month within 25 days of statement closing date. Interest begins on transaction date for cash advances and balance transfers.
Credit card score 65 · Carrot Score 65
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
2,127 banks and credit unions · checked Oct 22–28
- Typical
- 10.90%
- Top 10% up to
- 8.90%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.80%
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
- Hanscom Federal Credit UnionCredit union
- Popular DirectBank