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 436–450 of 2,146 nationwide · median 10.90% APR
- 9.50%APRas low as
Terms
25-day grace period for purchases
Credit card score 87 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as · up to 13.50%
9.50% APR, up to 13.50%
Terms
Rates are fixed and based on creditworthiness.
Credit card score 87 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Fixed rate; revolving term. Rates based on approved credit and individual creditworthiness.
Credit card score 87 · Carrot Score 67
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as · up to 19.50%
9.50% APR, up to 19.50%
Terms
Based on creditworthiness and subject to approval. Applies to Purchases, Cash Advances or Balance Transfers.
Credit card score 87 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Option with no rewards. Same Great Rate on Purchases & Cash Advances.
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
As low as APR based on credit history and qualifications. Rates subject to change.
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Rates vary by individual credit history and term of loan. All rates discounts and/or promotional offers combined may not go below the current floor rate of 4.00% APR for consumer loans.
Credit card score 87 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Ongoing APR of 9.50% applies thereafter on purchases; corresponds to a monthly periodic rate of 0.7917%.
Credit card score 87 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Standard purchases APR and cash advance APR; 25-day grace period; no cash advance fee.
Credit card score 87 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Fixed purchase APR for qualified members. Rates shown are the lowest available and may vary based on creditworthiness.
Credit card score 87 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Adjustable rate. Credit limits range from $100 to $25,000. Requires a Main Share Savings account with a minimum balance of $5.00.
Credit card score 87 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as · up to 18.00%
9.50% 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 87 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Over $5,000 credit limit. Membership required. Subject to credit approval.
Credit card score 87 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Variable APR equals 2.50% + Prime (tied to The Wall Street Journal Prime Rate). Credit line starts at $10,000. Cash Back is automatically deposited into a High Yield Savings account that earns 5%.
Credit card score 87 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Fixed interest rate. Includes a 25-day grace period.
Credit card score 87 · 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 22–24
- 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