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 2071–2085 of 2,126 nationwide · median 10.90% APR
- 17.52%APRas low as
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as
Terms
Standard APR for all cardholders regardless of credit score; applies to purchases.
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as · up to 20.99%
17.74% APR, up to 20.99%
Terms
Regular APR dependent on creditworthiness and approval is subject to credit score and analysis. Varies with the U.S. Prime Rate.
Credit card score 60 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as
Terms
Variable Annual Percentage Rate may be adjusted monthly and will be determined by adding a margin of 10.74% to the highest U.S. Prime Rate published in The Wall Street Journal five business days preceding the 1st calendar day of the month. Rate will not exceed 29.99%. Average daily balance method (including new purchases).
Credit card score 60 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as · up to 27.74%
17.74% APR, up to 27.74%
Terms
Variable APR based on creditworthiness and Prime Rate index beginning in the 13th billing cycle. Effective as of 10/22/2026.
Credit card score 60
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as · up to 28.49%
17.74% APR, up to 28.49%
Terms
17.74%, 24.24% or 28.49% variable APR thereafter.
Credit card score 60 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 17.75%APRas low as
Terms
Fixed rate APR for purchases, balance transfers, and cash advances.
Credit card score 60 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 17.90%APRas low as
Credit card score 60 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 17.90%APRas low as
Terms
Fixed APR for purchases.
Credit card score 60 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 17.99%APRas low as
Terms
Average daily balance (excluding new purchases) method. Minimum interest charge $1.00.
Credit card score 60 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 17.99%APRas low as · up to 27.99%
17.99% APR, up to 27.99%
Terms
Variable APR of 17.99% - 27.99% on all purchases and balance transfers.
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 17.99%APRas low as
Terms
APR as low as 17.99% based on creditworthiness. $25 annual fee applies for 17.99% rate tier. Rate applies to purchases, balance transfers, and cash advances.
Credit card score 60 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 17.99%APRas low as
Terms
APR as low as; rates and terms may vary based on creditworthiness; rates subject to change.
Credit card score 60 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 17.99%APRas low as
Terms
Standard APR subject to credit approval.
Credit card score 60 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - PenFed Credit UnionPenFed Power Cash Rewards Visa Signature Card · No annual fee
Credit union · Online nationwide
17.99%APRas low asTerms
Purchase variable APR based on creditworthiness.
Credit card score 60 · Carrot Score 95
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