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 1906–1920 of 2,126 nationwide · median 10.90% APR
- 13.99%APRas low as
Terms
Rate stated as low as 13.99% APR.
Credit card score 63 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Rate as low as 13.99% APR. Daily Periodic 0.0383%. No Balance Transfer Fee. Requires a minimum credit score of 660 and credit limit of $2,500.
Credit card score 63 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Available credit limit $1,000 – $25,000. No annual fee. Members with credit scores of 635 or less may be subject to a higher rate.
Credit card score 63 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Low ongoing rate: Prime+ 6.99%. 25-day interest-free grace period on all purchases, except cash advances.
Credit card score 63 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Go to Rate of Prime + 6.99%.
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Rate Cap 21.00%. Grace Period 25 days (+5 additional days).
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Ongoing variable APR: Prime + 6.99%, rate cap 21.00%.
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
APR for purchases, balance transfers, and cash advances. Subject to credit approval.
Credit card score 63 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Variable APR determined by Prime Rate on the first day of each calendar quarter plus a margin of 6.99%. APR will never be greater than 18.00%. Daily periodic rate of 0.0397% (stated at 14.49% periodic rate row).
Credit card score 63 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Ongoing variable APR after the introductory period determined by adding 6.99% to the Prime Rate (Index 8.00% as of March 24, 2023). Maximum APR will never exceed 21%.
Credit card score 63 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
APRs for purchase/balance transfers as low as 13.74% (Prime + 6.99%). Ongoing variable APR ranging from 13.74% to 17.99% based on creditworthiness.
Credit card score 63 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Credit limit up to $10,000.00. APR based on applicant's credit and term of loan. Rate subject to change.
Credit card score 63 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Variable rate of Prime + 6.99% after the first 6 months. Subject to credit approval.
Credit card score 63 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as · up to 22.99%
13.99% APR, up to 22.99%
Terms
After the introductory period, your APR will vary with the market based on the U.S. Prime Rate, depending on your creditworthiness.
Credit card score 63 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Ongoing APR varies with the market based on the Prime Rate (Prime + 6.99%). Stated APR is 13.74% based on Prime Rate of 6.75% as of December 24, 2025. Applies to purchases, balance transfers, and cash advances. Account will never have an APR over 21%. Balance transfer and cash advance fee: either $10 or 3% of the amount, whichever is greater.
Credit card score 63
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
2,126 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