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 361–375 of 2,146 nationwide · median 10.90% APR
- 8.99%APRas low as
Terms
Fixed rates as low as 8.99% APR. No annual fee. No balance transfer fees. Limits up to $25,000.
Credit card score 88 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Rate is non-variable. Financing up to $12,000. Rates subject to change, based on creditworthiness; certain restrictions may apply.
Credit card score 88 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Purchases. Rates as low as 8.99% APR based on creditworthiness. No annual fee. Pay no interest within the 25-day grace period.
Credit card score 88 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Rates as low as 8.99%. Rate, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. No annual fee or balance transfer fee.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 18.99%
8.99% APR, up to 18.99%
Terms
8.99% - 18.99% Variable APR after that on purchases.
Credit card score 88 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 13.00%
8.99% APR, up to 13.00%
Terms
Rate is based on creditworthiness. 25-day grace period to avoid interest on purchases.
Credit card score 88 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 9.99%
8.99% APR, up to 9.99%
Terms
Non-Variable Rate Program based on creditworthiness. 25-day grace period on purchases. Average daily balance method.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 15.99%
8.99% APR, up to 15.99%
Terms
8.99%, 9.99%, 12.99%, or 15.99% based on creditworthiness. Due date is at least 25 days after the close of each billing cycle.
Credit card score 88 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 17.99%
8.99% APR, up to 17.99%
Terms
Rates are based on credit history; maximum APR could be 17.99% based on FICO score. 25-day interest-free grace period on purchases. Credit lines as low as $250. No annual fee.
Credit card score 88 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 14.99%
8.99% APR, up to 14.99%
Terms
No Annual Fee. Standard rates are currently 8.99% to 14.99% APR based on creditworthiness.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Open-ended term; rate determined by creditworthiness evaluation.
Credit card score 88 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Rates for loans effective as of May 1, 2026. APR as low as 8.99% (ranges from 8.99% - 17.99% based on creditworthiness and card type). Fixed APR for purchases and cash advances. No annual fees, no balance transfer fees, no cash advance fees.
Credit card score 88 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
As low as rates are based on credit history, credit qualifications and approval; actual rate is determined by credit score. Classic Credit Card Plan rates are fixed. Low fixed rate for purchases and cash advances; no fee for balance transfers.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 17.99%
8.99% APR, up to 17.99%
Terms
APR for purchases, balance transfers, and cash advances is 8.99% to 17.99% based on creditworthiness.
Credit card score 88 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Standard APR starting at 8.99% based on creditworthiness.
Credit card score 88 · Carrot Score 87
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