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 1831–1845 of 2,127 nationwide · median 10.90% APR
- 13.74%APRas low as · up to 17.50%
13.74% APR, up to 17.50%
Terms
Estimated payment is 3% of balance ($25 minimum). $0 balance transfer fee and $0 cash advance fee. Variable rate based on Prime Index.
Credit card score 65 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as
Terms
Variable APR as low as 13.74% based on creditworthiness. 25-day grace period on all purchases. Cash advance fee and balance transfer fee: $5.00 or 2.50% of the amount, whichever is greater.
Credit card score 65 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as
Terms
Starting APR based on creditworthiness and other terms and conditions.
Credit card score 65 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 23.74%
13.74% APR, up to 23.74%
Terms
Variable APR determined by adding a margin of 6.74% to 16.74% to Prime Rate based on creditworthiness. Prime Rate reference is 8.50%.
Credit card score 65
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 18.00%
13.74% APR, up to 18.00%
Terms
Rates effective October 1, 2026. Rate table listing for VISA Signature Rewards.
Credit card score 65 · Carrot Score 88
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 based on creditworthiness.
Credit card score 65 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as
Terms
Standard purchase rate as low as 13.74% APR. Cash advance rate = 17.74% APR. Some rates are not available in Puerto Rico.
Credit card score 65 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 20.74%
13.74% APR, up to 20.74%
Terms
Variable APR (NOR version).
Credit card score 65 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 21.74%
13.74% APR, up to 21.74%
Terms
Variable regular APR for purchases based on creditworthiness and prime rate (up to 24.99%).
Credit card score 65 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 17.99%
13.74% APR, up to 17.99%
Terms
Variable APR for purchases based on creditworthiness, indexed to U.S. Prime Rate.
Credit card score 65
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as
Credit card score 65 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 21.74%
13.74% APR, up to 21.74%
Terms
Standard purchase rate based on creditworthiness; variable with market based on Prime Rate.
Credit card score 65 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 19.99%
13.74% APR, up to 19.99%
Terms
Standard variable APR after the introductory period, based on the Prime Rate plus a margin. Stated APR as low as 13.74% up to 19.99%. No annual fee.
Credit card score 65 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 21.74%
13.74% APR, up to 21.74%
Terms
Purchase APR: Prime + 6.74% - Prime + 14.74% based on creditworthiness. Variable rate based on Prime Rate in WSJ on last business day of prior month. 25-day grace period on purchases.
Credit card score 65 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 20.74%
13.74% APR, up to 20.74%
Terms
Annual Percentage Rate for Purchase, Balance Transfers and Cash Advances.
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