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 1921–1935 of 2,126 nationwide · median 10.90% APR
- 13.99%APRas low as
Terms
On Approved Credit (OAC).
Credit card score 63 · Carrot Score 67
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Variable APR for Purchases determined monthly by adding 6.99% margin to Prime Rate (7.00% as of September 17, 2026). Introductory $0 annual fee for the first year, after that $450 (waived for eligible Wealth clients).
Credit card score 61 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as
Terms
After the introductory period, rate is determined based on the highest prime rate published in the Money Rates section of the Wall Street Journal ("Index") plus a margin of 7.00 percentage points and rounded to the nearest hundredth divisible by twelve.
Credit card score 63 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as
Credit card score 63 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as
Terms
Save on purchases. Variable APR as low as 14.00%. Subject to approval based on creditworthiness. No annual fee. Foreign transaction fee 2.00%.
Credit card score 63 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as
Terms
Purchases. Rate varies based on creditworthiness.
Credit card score 63 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 18.25%
14.00% APR, up to 18.25%
Terms
Standard variable APR based on Prime Rate plus a margin determined at application based on creditworthiness. Applies after the introductory period. If default occurs, APR increases to 18.00%.
Credit card score 63 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 23.75%
14.00% APR, up to 23.75%
Terms
Currently as low as 14.00% APR (Prime + 7.00% to Prime + 16.75% APR). Variable rate based on Prime Rate and credit score. Revolving term.
Credit card score 63 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as
Terms
Fixed rate that doesn't change. No balance transfer fee, cash advance fee, or foreign transaction fees. Rates are subject to change at any time and are not guaranteed.
Credit card score 63 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Variable rate, as low as 14.00% APR.
Credit card score 63 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Credit card score 63 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Credit card score 63 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as
Terms
Ongoing variable rate for purchases: WSJ Prime Rate + 7%. Rate determined by individual credit score; as low as rate includes credit score of 760 or above. Range 14.00% - 15.00%.
Credit card score 63 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as
Terms
Fixed rate. Credit limit up to $10,000.00.
Credit card score 63 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 23.00%
14.00% APR, up to 23.00%
Terms
Variable APR for purchases, balance transfers, and cash advances after 6 months from account opening. Rate is Prime Rate plus a margin of 7.00% to 16.00% based on creditworthiness.
Credit card score 63 · Carrot Score 76
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