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 1936–1950 of 2,126 nationwide · median 10.90% APR
- 14.00%APRas low as · up to 18.00%
14.00% APR, up to 18.00%
Terms
Variable APR currently 14.00% to 18.00% as displayed on secondary card table. Annual fee is waived for the first year, then $25/year (waived with $1,000+ in transactions over 12 months). Balance transfer fee after initial 12 months is $10 or 2.5% of transfer amount, whichever is greater.
Credit card score 63 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 22.00%
14.00% APR, up to 22.00%
Terms
Variable Purchase APR based on creditworthiness. Variable rate is 7.00% to 15.00% + Prime Rate. Prime Rate of 7.00% as of September 16, 2026.
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 18.00%
14.00% APR, up to 18.00%
Terms
Variable APR. $500 minimum limit. Minimum payment is 1% or $25, whichever is greater. No cash advance fee.
Credit card score 63 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 15.00%
14.00% APR, up to 15.00%
Terms
Rates are stated as low as; individual rates may vary from stated rate and are determined by credit score (risk-based pricing applies) and debt ratio. Rates subject to change without notice. Member Reward Discount up to 1.00% does not apply to credit card.
Credit card score 63 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 18.00%
14.00% APR, up to 18.00%
Terms
Based on creditworthiness when you open your account. Interest rates are fixed. 25-day grace period on purchases when paying entire balance by due date.
Credit card score 63 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 14.03%APRas low as
Terms
Variable APR based on creditworthiness. Annual fee of $50 is waived with $2,500+ in annual purchases.
Credit card score 62 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 14.15%APRas low as · up to 19.15%
14.15% APR, up to 19.15%
Terms
Variable APR for new purchases after 6 months (14.15% to 19.15%), indexed to Prime Rate based on creditworthiness.
Credit card score 63 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 14.24%APRas low as · up to 36.00%
14.24% APR, up to 36.00%
Terms
Variable standard rate based on credit score. After six months, variable APR starting between 14.24% and 36.00% on new purchases and balance transfers.
Credit card score 63 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 14.24%APRas low as · up to 18.00%
14.24% APR, up to 18.00%
Terms
Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR. No annual fee, no balance transfer fee, no cash advance fee. Interest-free grace period on all purchases if paid in full by due date.
Credit card score 63 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 14.24%APRas low as · up to 20.24%
14.24% APR, up to 20.24%
Terms
Purchase APR varies based on creditworthiness (14.24%, 15.24%, 16.24%, 17.24%, or 20.24%). Variable rate based on Prime Rate. No annual fee.
Credit card score 63 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 14.25%APRas low as · up to 17.90%
14.25% APR, up to 17.90%
Terms
Rate for purchases. Rates based on applicant creditworthiness. Zero balance transfer fee.
Credit card score 63 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 14.25%APRas low as
Terms
No annual fee. No cash advance transaction fee. Rates and terms are based on credit experience and member qualification.
Credit card score 63 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 14.25%APRas low as · up to 22.25%
14.25% APR, up to 22.25%
Terms
Variable APR based on creditworthiness; varies with the market based on the Prime Rate.
Credit card score 63 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 14.25%APRas low as
Terms
Credit limit up to $8,000
Credit card score 63 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 14.40%APRas low as · up to 18.00%
14.40% APR, up to 18.00%
Terms
Variable APR of 14.40% to 18.00% for Purchases, Balance Transfers, and Cash Advances, determined by creditworthiness at account opening. Adjusts with the U.S. Prime Rate. Minimum credit line of $500. Maximum APR permitted by law is 18.0%.
Credit card score 63 · Carrot Score 85
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