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 256–270 of 2,146 nationwide · median 10.90% APR
- 8.90%APRas low as
Terms
Regular APR for purchases, balance transfers, and cash advances based on creditworthiness. No penalty APR.
Credit card score 89 · Carrot Score 96
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
APR is determined by credit history and creditworthiness. 25-day grace period.
Credit card score 89 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Credit Score: 730+
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 15.40%
8.90% APR, up to 15.40%
Terms
Rates determined by creditworthiness. Non-adjustable fixed rate.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed rate. No annual fee, no cash advance fee, no balance transfer fee.
Credit card score 89 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed rate. Rates are based on certain credit-worthiness criteria; not all applicants will qualify. Earns Rewards points with every purchase. Buy Now, Pay Later installment payment option available.
Credit card score 89 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
No annual fees. No balance transfer fees. Purchases, balance transfers, and cash advances APR is 8.90%.
Credit card score 89 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Standard rate as low as 8.9% APR based on creditworthiness. Rate customized based on FICO score and credit union activity. Credit limit up to $10,000 (higher limits require Credit Committee approval).
Credit card score 89 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 18.00%
8.90% APR, up to 18.00%
Terms
Annual Percentage Rate between 8.90% – 18.00% APR based on creditworthiness. Higher rates may apply for members with an Experian FICO credit score less than 670. On approved credit only. Fee schedule effective 7/1/2024.
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 19.90%
8.90% APR, up to 19.90%
Terms
Credit limits from $250 to $30,000. Variable APR based on Wall Street Journal Prime Rate plus a margin. Annual Percentage Rate is for purchases, cash advances, and balance transfers. No Annual Fee, Cash Advance Fee, or 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
Terms
Rate based on creditworthiness. Applies to purchases.
Credit card score 89 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Finance charges calculated on Average Daily Balance.
Credit card score 89 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed APR.
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 14.90%
8.90% APR, up to 14.90%
Terms
Rate based on creditworthiness. No balance transfer fee.
Credit card score 89 · Carrot Score 95
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
Standard ongoing APR determined based on creditworthiness.
Credit card score 89 · Carrot Score 84
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