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 406–420 of 2,146 nationwide · median 10.90% APR
- 9.25%APRas low as
Terms
Credit limits up to $10,000 (ranging from $500 to $10,000). No balance transfer fees. Rates and terms may vary based upon individual creditworthiness.
Credit card score 88 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 9.25%APRas low as
Terms
Interest rate the same for all purchases and cash advances
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.25%APRas low as
Terms
Rates shown are Annual Percentage Rates (APR). Rates are variable and subject to change at any time. Loan terms available may vary depending on amount borrowed, length of contract, credit history, and payment method. No annual fee.
Credit card score 88 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 9.40%APRas low as
Terms
All loans are subject to credit approval. Some restrictions may apply. Contact 1st CCU for full details. Rates subject to change at any time without warning. Membership eligibility required.
Credit card score 88 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 9.40%APRas low as
Terms
Classic or Platinum variant is explicitly named; the rate applies as advertised.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.40%APRas low as · up to 17.99%
9.40% APR, up to 17.99%
Terms
Rates and payment options based on creditworthiness, term, and other factors. No annual, over-the-limit, cash advance, or balance transfer fees. Effective as of October 19, 2026.
Credit card score 88 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 9.40%APRas low as · up to 18.40%
9.40% APR, up to 18.40%
Terms
Regular purchase APR based on creditworthiness. Variable APR based on Prime Rate. No annual fee and no balance transfer costs.
Credit card score 88 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.40%APRas low as · up to 18.25%
9.40% APR, up to 18.25%
Terms
Standard purchase rate based on creditworthiness when opening account; variable APR based on Prime Rate.
Credit card score 88 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.40%APRas low as · up to 17.40%
9.40% APR, up to 17.40%
Terms
Annual Percentage Rate (APR) will be 9.40%-17.40% based on creditworthiness. No annual fee. Low APR on balance transfers for the life of the balance.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as
Terms
Fixed rate as low as 9.49% APR based on credit score.
Credit card score 88 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as · up to 18.00%
9.49% APR, up to 18.00%
Terms
Actual rate may vary based on creditworthiness. Rates are subject to change without notice. All loans are subject to credit review and loan approval. All loans are calculated using simple interest, with no prepayment penalties. No annual fee.
Credit card score 88 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as
Terms
Rates as low as 9.49% APR based on the term and individual's creditworthiness. Subject to credit approval. No annual fee. Interest-free grace period on purchases.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as · up to 18.00%
9.49% APR, up to 18.00%
Terms
Rate depends on creditworthiness. No annual fee. 25-day grace period.
Credit card score 88 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as
Terms
Tier A+ (740+). Interest rates adjust quarterly by adding the appropriate margin to the Wall Street Journal Index.
Credit card score 88 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as
Terms
Low fixed interest rate.
Credit card score 88 · Carrot Score 79
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 22–23
- 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