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 1951–1965 of 2,126 nationwide · median 10.90% APR
- 14.40%APRas low as · up to 18.25%
14.40% APR, up to 18.25%
Terms
No Annual Fee; No Balance Transfer Fees.
Credit card score 63 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 14.49%APRas low as
Terms
Purchase APR; monthly periodic rate 1.2075%
Credit card score 63 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 14.49%APRas low as · up to 16.49%
14.49% APR, up to 16.49%
Terms
Variable rate. Low 14.49-16.49% APR. Same low rate for purchases, cash advances and balance transfers.
Credit card score 63 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - UMB BankUMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card · No annual fee
Bank
14.49%APRas low asTerms
After the first 12 months, 14.49% variable APR based on prime rate.
Credit card score 63 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 14.50%APRas low as
Terms
Low variable rate ('as low as') for purchases. No annual fee, no balance transfer fees, no cash advance fees, plus rewards.
Credit card score 63 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 14.50%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Credit card score 63 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 14.64%APRas low as
Credit card score 63 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 14.64%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Credit card score 63 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 14.74%APRas low as · up to 24.74%
14.74% APR, up to 24.74%
Terms
Standard rate thereafter: Prime Rate + 7.74% APR to 17.74% APR (Prime Rate was 6.75% as of 1/1/26). No balance transfer fee when standard rate applies.
Credit card score 63 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 14.74%APRas low as · up to 23.74%
14.74% APR, up to 23.74%
Terms
After the introductory period, APR will be 14.49%-23.49% based on creditworthiness. Varies with Prime Rate.
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 14.74%APRas low as
Terms
Variable APR determined by Prime Rate (6.75%) + Margin of 7.74%; maximum APR is 18%. Rate applies to purchases, post-introductory balance transfers, and cash advances.
Credit card score 63 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 14.75%APRas low as
Terms
Variable APR based on the market Prime Rate. APR based on evaluation of applicant's credit. Minimum monthly payment due will be the greater of 2.5% of outstanding balance or $10.
Credit card score 63 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 14.88%APRas low as
Terms
Fixed APR for purchases. We do not offer balance transfers.
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 14.88%APRas low as
Terms
Cash Back – Annual Fee. Variable rate APR is subject to change and may vary depending on evaluation of credit history.
Credit card score 62 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 14.90%APRas low as · up to 18.00%
14.90% APR, up to 18.00%
Terms
Standard variable purchase APR of 14.90% to 18.00% based on creditworthiness and qualifications; maximum APR is 18.00%.
Credit card score 62 · Carrot Score 95
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