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 2041–2055 of 2,126 nationwide · median 10.90% APR
- 16.00%APRas low as
Terms
Variable APR after the introductory period. Floor Rate: 2% APR. Ceiling Rate: 21% APR.
Credit card score 61 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 16.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Ongoing regular APR based on creditworthiness. Rate includes all possible discounts.
Credit card score 61 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 16.00%APRas low as · up to 16.75%
16.00% APR, up to 16.75%
Terms
Variable APR based on creditworthiness and Prime Rate. Margin 9.00% to 9.75%. Monthly periodic rate 1.35% to 1.42%. Balance transfer fee $0 for transfers posted before January 15, 2027, then 2.5%; cash advance fee 3%; foreign transaction fee exchange rate only.
Credit card score 61 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 16.00%APRas low as
Terms
Visa Classic fixed rate APR for purchases and cash advances.
Credit card score 61 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 16.00%APRas low as
Terms
Purchase APR as low as 16.00%. Credit limit $500 - $20,000.
Credit card score 61 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 16.08%APRas low as
Terms
Fixed APR for purchases, balance transfers, and cash advances. Grace period: at least 25 days after the close of each billing cycle; no interest charged on purchases if entire balance is paid by due date. Average daily balance method.
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 16.15%APRas low as
Terms
Variable rate for purchases after the twelfth month; adjusts with the market based on the Prime Rate. Rates subject to change monthly.
Credit card score 61 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 16.24%APRas low as
Terms
As low as 16.24% APR based on creditworthiness. No annual fee. Maximum credit limit up to $50,000.
Credit card score 61 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 16.25%APRas low as
Terms
APR of 16.25% applies to purchases, balance transfers, and cash advances (monthly periodic rate is 1.3542%). Non-variable rate.
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 16.49%APRas low as
Terms
Rates as low as 16.49% variable APR, effective 10/1/2026. Actual APR determined when you apply based on creditworthiness. Variable rate based on Prime Rate. Overall BECU credit card rates range up to 25.49% variable APR. No annual fee, no balance-transfer fee, no cash-advance fee, no foreign-transaction fee.
Credit card score 61 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 16.49%APRas low as
Terms
Purchase APR as low as 16.49% variable based on creditworthiness. APR varies with the market based on the Prime Rate. No annual fee.
Credit card score 61 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 16.49%APRas low as
Terms
Variable purchase interest rate as low as 16.49% Annual Percentage Rate. Available for those that qualify for a credit line of up to $4,999.
Credit card score 61 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 16.50%APRas low as
Terms
APR as low as based on creditworthiness. Credit limits up to 10% of annual income, maximum $10,000. No annual fee.
Credit card score 61 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 16.74%APRas low as · up to 26.74%
16.74% APR, up to 26.74%
Terms
Variable APR based on Prime Rate (6.75%) plus margin and creditworthiness after the initial 12 billing cycles.
Credit card score 61 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 16.74%APRas low as · up to 22.74%
16.74% APR, up to 22.74%
Terms
Variable standard purchase APR based on Prime Rate (6.75%) plus a margin, depending on creditworthiness.
Credit card score 61 · Carrot Score 67
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