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 1981–1995 of 2,126 nationwide · median 10.90% APR
- 14.99%APRas low as · up to 26.99%
14.99% APR, up to 26.99%
Terms
Purchase APR; variable based on Prime Rate and creditworthiness.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as · up to 16.50%
14.99% APR, up to 16.50%
Terms
Non-variable APR. Same low rate for purchases, balance transfers, and cash advances. Subject to credit approval. 2.0% balance transfer fee applies.
Credit card score 62 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as
Terms
Variable APR for purchases based on the Prime Rate plus 7.99% margin. Due date is at least 25 days after the close of each billing cycle with no interest charged on retail purchases if paid in full.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as · up to 24.99%
14.99% APR, up to 24.99%
Terms
Variable APR based on highest U.S. Prime Rate (6.75%) plus a margin after the initial 12 billing cycles. Platinum Edition APRs are currently between 14.74% and 24.74% based on creditworthiness.
Credit card score 62 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as · up to 24.99%
14.99% APR, up to 24.99%
Terms
Standard variable APR based on a 6.75% Prime Rate plus margin.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as · up to 18.25%
14.99% APR, up to 18.25%
Terms
Variable rate for purchases depending on creditworthiness at account opening. Credit line from $500 to $10,000.
Credit card score 62 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as · up to 24.99%
14.99% APR, up to 24.99%
Terms
Variable APR based on Prime Rate (6.75% base) plus a margin after the first 12 billing cycles. Rate depends on creditworthiness.
Credit card score 62 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as · up to 24.99%
14.99% APR, up to 24.99%
Terms
Standard variable APR based on Prime Rate and creditworthiness.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as
Terms
Rate is based on credit score.
Credit card score 62 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as
Terms
Variable purchase rate based on prime rate plus a margin. No annual fee.
Credit card score 62 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as · up to 29.99%with conditions
14.99% APR, up to 29.99%
This rate needs autopay.
Terms
Credit Lines APRs based on creditworthiness. Lowest rates require Autopay. Example only: $1,000 purchase, 36-month term, 19.99% APR. APR applicability to purchase, balance transfer, or cash advance is not stated for this range.
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Purchases. Fixed 15% APR. 25 days grace period for repayment of the balance for purchases.
Credit card score 62 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
APR of Wall Street Journal Prime Rate plus 8%.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Variable APR of Prime + 8.00% for purchases, balance transfers, and cash advances after the introductory period. Prime equals 7.00% as published by the Wall Street Journal as of 9/17/26. Earn 1% cash back on purchases.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
15% fixed annual percentage rate for purchases, balance transfers, and cash advances. No annual fee.
Credit card score 62
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