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 1816–1830 of 2,127 nationwide · median 10.90% APR
- 13.50%APRas low as
Credit card score 65 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 22.50%
13.50% APR, up to 22.50%
Terms
Thereafter, variable APR ranges from 13.50% to 22.50% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026.
Credit card score 65 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.56%APRas low as
Terms
APR for Purchases, Balance Transfers, and Cash Advances. 25-day grace period on purchases when entire balance is paid by due date each month. Balance transfer fee: None. Cash advance fee: 1.50%.
Credit card score 65 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as
Terms
For Purchases. Variable APR.
Credit card score 65 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as · up to 26.65%
13.65% APR, up to 26.65%
Terms
Variable APR applies to purchases, balance transfers, and cash advances. 3% balance transfer fee applies.
Credit card score 65 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as · up to 23.65%
13.65% APR, up to 23.65%
Terms
Purchases APR.
Credit card score 65 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as · up to 18.00%
13.65% APR, up to 18.00%
Terms
Variable APR determined by credit qualifications/creditworthiness. 25-day grace period on purchases (excluding cash advances). Rates current as of October 22, 2026 and subject to change. Cash advance fee is 3% ($10 minimum). Balance transfer fee is $0.
Credit card score 65 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as · up to 18.00%
13.65% APR, up to 18.00%
Terms
Purchase variable APR. APR based on creditworthiness and varies with the Prime Rate. My Advantage discount does not apply. No numeric margin stated.
Credit card score 65 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as · up to 20.65%
13.65% APR, up to 20.65%
Terms
Variable APR for purchases, depending on creditworthiness at account opening. Varies with the market based on the Prime Rate (7.00%). Balance Transfer Fee is $1.00 or 3.00% of each balance transfer, whichever is greater.
Credit card score 65 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as
Terms
Rate as low as
Credit card score 65 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as · up to 18.24%
13.65% APR, up to 18.24%
Terms
Variable APR based on Prime Rate and overall creditworthiness. No annual fee, balance transfer fee, or cash advance fee.
Credit card score 65 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 13.70%APRas low as · up to 18.00%
13.70% APR, up to 18.00%
Terms
Variable APR based on Prime Rate index. Range based on creditworthiness and loan terms. Applies to purchases, balance transfers, and cash advances. No annual fee, balance transfer fee, or cash advance fee.
Credit card score 65 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 13.70%APRas low as · up to 18.70%
13.70% APR, up to 18.70%
Terms
Standard variable APR based on creditworthiness.
Credit card score 65 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 13.70%APRas low as
Terms
Variable APR. No balance transfer fee. 2% international fee. 2% cash advance fee.
Credit card score 65 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable purchase APR is 15.24% - 18.00%, adjusted quarterly to WSJ Prime rate plus margin of 6.74% - 15.74%. No annual fee.
Credit card score 65 · Carrot Score 87
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