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 2011–2025 of 2,126 nationwide · median 10.90% APR
- 15.24%APRas low as · up to 18.00%
15.24% APR, up to 18.00%
Terms
Standard variable APR for purchases based on creditworthiness when account is opened. Varies with the market based on the Prime Rate. Subject to credit approval.
Credit card score 62 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 15.48%APRas low as · up to 17.98%
15.48% APR, up to 17.98%
Terms
Standard variable APR varying based on the Prime Rate. Earns 1.5 points per $1 spent. Credit limit $500 to $20,000 (up to $25,000).
Credit card score 62 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 15.49%APRas low as · up to 25.49%
15.49% APR, up to 25.49%
Terms
Standard variable APR for purchases and balance transfers based on creditworthiness and Prime Rate (evaluated with a 7.50% Prime Rate baseline).
Credit card score 62 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 15.49%APRas low as
Credit card score 62 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 15.49%APRas low as · up to 22.49%
15.49% APR, up to 22.49%
Terms
15.49%, 18.49% or 22.49% based on creditworthiness. Variable APR calculated by adding a margin of 8.49% - 15.49% to the Prime Rate (7.00%). Rate will not exceed maximum rate of 24.00%.
Credit card score 62 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 15.49%APRas low as
Credit card score 62 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 15.50%APRas low as
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.50%APRas low as
Terms
Rate: Variable APR. Rewards: Travel, Gifts via ScoreCard Rewards. Subject to credit union terms and membership requirements.
Credit card score 62 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.65%APRas low as
Terms
Published rates based on approved credit; adjusts monthly based on the highest Prime Rate published in the WSJ Money Rates Section in effect on the 25th of each month plus a margin. No annual fee. No balance transfer fees.
Credit card score 62 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 15.70%APRas low as
Terms
Purchase APR is variable with the market based on the Prime Rate. 25-day grace period on purchases when paying the full statement balance by the due date.
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 15.74%APRas low as · up to 23.74%
15.74% APR, up to 23.74%
Terms
Prime + 8.74% to 16.74% based on creditworthiness, varying with the market based on the Prime Rate.
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 15.74%APRas low as
Terms
Variable rate. Determined by adding an 8.74% margin to the US Prime Rate Index.
Credit card score 61 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 15.74%APRas low as
Terms
Variable APR based on the Prime Rate for purchases, balance transfers, and cash advances.
Credit card score 61 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 15.74%APRas low as · up to 24.74%
15.74% APR, up to 24.74%
Terms
Based on creditworthiness when opening account. Variable rate based on Prime Rate.
Credit card score 61 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 15.74%APRas low as · up to 23.74%
15.74% APR, up to 23.74%
Credit card score 61 · Carrot Score 60
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