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 2056–2070 of 2,126 nationwide · median 10.90% APR
- 16.74%APRas low as
Terms
Purchase APR is variable (Prime Rate of 6.75% + 9.74% margin, max 22.99%).
Credit card score 61 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 16.75%APRas low as
Terms
After the introductory period, the variable rate will be 16.75% for purchases, based on creditworthiness.
Credit card score 61 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 16.75%APRas low as · up to 21.75%
16.75% APR, up to 21.75%
Terms
Variable APR based on creditworthiness, varying with the market based on the Prime Rate. Sum of Prime plus margin (range 9.75% to 14.75%). Prime Rate was 7.00% as of 09/17/26.
Credit card score 61 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 16.75%APRas low as · up to 18.00%
16.75% APR, up to 18.00%
Terms
Variable APR subject to change quarterly based on the first 6-month Treasury Bill Auction plus a margin of 12.5%. No minimum interest rate, maximum rate of 18.00% Variable APR. No Annual Maintenance Fee. Grace period for purchases if balance is paid in full each month. No Cash Advance Fee.
Credit card score 61 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 16.80%APRas low as
Terms
Fixed APR of 16.80% for purchases. Grace period of not less than 25 days after the close of each billing cycle.
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 16.90%APRas low as
Terms
Featured rate as low as stated. Rates Subject to Change.
Credit card score 61 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 16.92%APRas low as
Terms
For purchases and balance transfers. Minimum interest charge is no less than $1.
Credit card score 60
Rate checked · Credit cards rates on its site
Rates and branches - 16.95%APRas low as
Terms
Fixed APR. No annual fee.
Credit card score 61 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 16.99%APRas low as · up to 17.99%
16.99% APR, up to 17.99%
Terms
Contract revolving APR after the introductory period. Signed application and proof of income required.
Credit card score 61 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 16.99%APRas low as
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 16.99%APRas low as · up to 26.99%
16.99% APR, up to 26.99%
Terms
Based on creditworthiness when you open your account. After that, APR varies with the market based on the Prime Rate. Margin of 9.99% - 19.99% added to Prime Index. Monthly periodic rate 1.228% - 1.750%. Grace period at least 25 days.
Credit card score 61 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 17.00%APRas low as
Terms
Adjustable interest rate based on Prime Rate as of January 1st and July 1st. No annual fees.
Credit card score 61 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 17.00%APRas low as
Terms
APR Wall Street Prime Rate +10.00%
Credit card score 61 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 17.17%APRas low as
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 17.24%APRas low as · up to 28.24%
17.24% APR, up to 28.24%
Terms
Thereafter, undiscounted variable APR for Purchases based on creditworthiness. Rate accurate as of 12/12/2025 (12-12-25).
Credit card score 61 · Carrot Score 81
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