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 31–45 of 2,143 nationwide · median 10.90% APR
- 6.99%APRas low as · up to 15.99%
6.99% APR, up to 15.99%
Terms
Fixed APR depending on creditworthiness.
Credit card score 96 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 6.99%APRas low as · up to 17.88%
6.99% APR, up to 17.88%
Terms
Standard Fixed APR for purchases, balance transfers, and cash advances applied after the first six months to all new and outstanding balances. Rate is based on credit score and history.
Credit card score 96 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 6.99%APRas low as
Terms
Fixed rates as low as 6.99% APR.
Credit card score 96 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 6.99%APRas low as
Terms
Credit Tier A+
Credit card score 96 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 6.99%APRas low as
Terms
Rate based on credit rating; rates subject to change.
Credit card score 96 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as
Terms
Variable APR as low as 7.00%. Margin is 0.00% added to Prime Rate.
Credit card score 95 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as · up to 11.90%
7.00% APR, up to 11.90%
Terms
Fixed APR ranging from 7.00% to 11.90% based on creditworthiness and other qualifications. Subject to credit approval. No annual, cash advance, or balance transfer fees. Credit lines up to $15,000.
Credit card score 95 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as
Terms
Share Secured
Credit card score 95 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as
Terms
APR equals Prime Rate (currently 7.00% as of September 17, 2026). Variable rate product.
Credit card score 95 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as · up to 18.00%
7.00% APR, up to 18.00%
Terms
Variable rate based on 26-Week Treasury Bill Index Rate adjusted quarterly. Maximum APR 18.000%. Grace period: 26 days after billing cycle close if full balance paid by due date.
Credit card score 95 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as
Terms
Fixed rate based on credit score.
Credit card score 95 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as · up to 17.50%
7.00% APR, up to 17.50%
Terms
Revolving terms. APR is based on creditworthiness and subject to change at any time without prior notice. Max legal APR is 18.0% as of 12/1/2020. Standard purchase APR applies after the promotional balance transfer period.
Credit card score 95 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as · up to 11.00%
7.00% APR, up to 11.00%
Credit card score 95 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as
Terms
Variable APR equal to WSJ Prime Rate. Rate with approved credit. Minimum credit limit of $5,000. No annual fee. No fees on cash advances or balance transfers. 25-day grace period for repayment of purchase balance.
Credit card score 95 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as
Terms
As low as rate.
Credit card 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
2,143 banks and credit unions · checked Oct 15–22
- 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