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 1996–2010 of 2,126 nationwide · median 10.90% APR
- 15.00%APRas low as
Terms
Tasa de porcentaje anual (APR) calculada en función de la tasa preferencial de Wall Street: tasa preferencial + 8 %
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Variable APR based on Wall Street Journal Prime Rate + 8.00% for Purchases, Balance Transfers, and Cash Advances.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
APR Wall Street Prime Rate +8.00%. 1% Cash back on all qualifying purchases with no cap.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
APR = Wall Street Prime rate + 8%.
Credit card score 62 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history. APR as low as.
Credit card score 62 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Purchase rate. Variable rate account with a revolving line of credit. Periodic rate of 1.2500% valid on new purchases. Minimum payment is 3% of total new balance or $25.00, whichever is greater.
Credit card score 62 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
APR Wall Street Prime Rate +8.00%. $35 annual fee (Waived for first year).
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Variable APR based on Prime Rate (6.75% as of 12/10/2025) plus an 8.00% margin. Maximum APR 16.99%. 25-day grace period for purchases.
Credit card score 62 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Credit Limit $500-$25,000
Credit card score 62 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as · up to 18.00%
15.00% APR, up to 18.00%
Terms
After the introductory period ends, the APR for unpaid purchase balance and any new purchases will be 15.00%-18.00% based on creditworthiness. Variable APR based on Prime Rate. $0 annual fee; $0 balance transfer fee; $0 cash advance fee.
Credit card score 62 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Variable APR for purchases, balance transfers, and cash advances is determined by adding 8.00% to the Wall Street Journal Prime Rate.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Card limit of $5,000 or greater. Regular variable rate determined based on Wall Street Journal Prime + 8%.
Credit card score 62 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Variable APR as low as 15.00%. Rates are accurate as of October 1, 2026. APR varies with the market based on Prime Rate. Subject to approval.
Credit card score 62 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 15.24%APRas low as · up to 25.24%
15.24% APR, up to 25.24%
Terms
Variable standard purchase and balance transfer APR based on Prime Rate (7.25%) and creditworthiness.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.24%APRas low as · up to 18.00%
15.24% APR, up to 18.00%
Terms
Standard variable APR after the first 12 billing cycles based on underwriting guidelines, creditworthiness, and Prime Rate.
Credit card score 62 · Carrot Score 69
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