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 181–195 of 2,143 nationwide · median 10.90% APR
- 8.90%APRas low as
Terms
Subject to credit approval. Membership requirements must be met to qualify. Foreign Transaction fee 1.00% of each transaction in U.S. dollars. Late payment fee up to $25.00.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed rate as low as 8.9% APR. No annual fee. Monthly minimum payment: 3% of total balance or $20, whichever is greater. 25 day grace period on all new purchases. No fee cash advances when taken at the Credit Union.
Credit card score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Low fixed rate of 8.9% APR. No annual fee. A great option for saving money when doing a balance transfer.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Credit line from $10,000 to $20,000.
Credit card score 89 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates effective as of 2026-07-22. Based on credit qualifications; rates may be higher. Advertised rates include 0.25% discount for automatic payment from a BMCU account/payroll deduction and 0.25% discount for having an active checking account with direct deposit. All loans are simple interest. Rates and yields subject to change without notice.
Credit card score 89 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
All rates are 'as low as' indicating the lowest possible rate. Subject to credit approval and other conditions; rate and term will vary depending on credit score. APR may change after consummation.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Variable APR as low as 8.9% based on creditworthiness. Features a 25-day grace period and no annual fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Credit card score 89 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 14.90%
8.90% APR, up to 14.90%
Terms
APR for Purchases. Based on creditworthiness. Credit limits from $500.00 to $15,000.00. No balance transfer fee. 25-day grace period on retail purchases.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Purchase rate; credit limits up to $10,000; no annual fee.
Credit card score 89 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Rates and terms subject to change. Qualification and membership requirements apply.
Credit card score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed rate. Cash advance APR does not increase. 25-day grace period on purchases. Earn points on all purchases towards rewards.
Credit card score 89 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed APR. Loan limit $500 to $15,000. Revolving term.
Credit card score 89 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 17.90%
8.90% APR, up to 17.90%
Terms
Non-variable Annual Percentage Rate for Purchases based on credit worthiness.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Annual Percentage Rate for purchases, cash advances, and balance transfers. Rate as low as 8.90% APR based on creditworthiness.
Credit card score 89 · Carrot Score 89
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
2,143 banks and credit unions · checked Oct 15–22
- Typical
- 10.90%
- Top 10% up to
- 8.90%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.74%
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
- Synchrony BankBank