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 211–225 of 2,146 nationwide · median 10.90% APR
- 8.90%APRas low as
Terms
Fixed rate as low as 8.90% APR. Zero annual fee. No balance transfer fee.
Credit card score 89 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Rate based on member's credit worthiness. No balance transfer fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 15.90%
8.90% APR, up to 15.90%
Terms
Rate applies to purchases, balance transfers, and cash advances based on creditworthiness. No annual fee, balance transfer fee, cash advance fee, or international transaction fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 16.90%
8.90% APR, up to 16.90%
Terms
Standard APR on unpaid balance based on creditworthiness. 8.90% APR listed as lowest rate as of October 1, 2026. No annual fee, no cash advance or domestic transaction fees. No interest charged on purchases if paid within 25 days of statement date. 1% foreign transaction fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 17.90%
8.90% APR, up to 17.90%
Terms
Rates from 8.90% to 17.90% when you open your account, based on your creditworthiness. This APR is non-variable and subject to change.
Credit card score 89 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
APR of 8.90% applies to purchases, balance transfers, and cash advances.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 17.90%
8.90% APR, up to 17.90%
Terms
Standard card rate applies to purchases, balance transfers, and cash advances. No annual fee. Rates subject to change based on creditworthiness and underwriting standards.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Credit card score 89 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Purchases APR. Credit score of 680 or higher required. Credit limits between $5,000 and $15,000. Payment calculated at 2% of outstanding balance.
Credit card score 89 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Purchase & Balance Transfers
Credit card score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Non-variable rate. Rates and terms determined by overall credit history.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Rate applies to purchases, cash advances, and balance transfers. No annual fee or balance transfer fee. Direct deposit discount does not apply.
Credit card score 89 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Credit lines from $500 up to $15,000 for qualifying borrowers; rates determined by credit history and term.
Credit card score 89 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed APR. As low as 8.90%. Subject to credit approval.
Credit card score 89 · Carrot Score 92
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
2,146 banks and credit unions · checked Oct 16–23
- Typical
- 10.90%
- Top 10% up to
- 8.90%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.74%
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
- Synchrony BankBank