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.
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Top credit card rates
Showing 451–465 of 2,146 nationwide · median 10.90% APR
- 9.50%APRas low as · up to 16.25%
9.50% APR, up to 16.25%
Terms
Variable purchase APR after the introductory period based on creditworthiness. Indexed to Prime Rate (Wall Street Journal Prime Rate as of September 16, 2026 = 7.00%).
Credit card score 87 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Minimum credit limits starts at $8,000
Credit card score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Fixed rate applies to purchases, balance transfers, and cash advances. No annual fee. 25-day grace period on purchases.
Credit card score 87 · Carrot Score 79
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
Rate based on credit history / creditworthiness at account opening. The same qualifying rate applies to all classes of transactions (purchases, balance transfers, and cash advances). No annual fee, no cash-advance fee, no balance transfer fee.
Credit card score 87 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Rate as low as 9.50% APR based on creditworthiness. Subject to credit approval; maximum APR is 18%. Minimum payment is 3% of unpaid balance ($25 minimum per month). Access all the features of Visa Classic including no annual fee.
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 9.50% APR; subject to credit approval; credit limit up to $7,500; 25-day purchase grace period; no annual or application fees.
Credit card score 87 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Fixed rate after 12 months.
Credit card score 87 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
APR rate option: 9.50%
Credit card score 87 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Credit Score: 740+ (Grade A+)
Credit card score 87 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Credit limit: $2,500 to $5,000. Same low rate on cash advances. No balance transfer fee.
Credit card score 87 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Credit Limit: $25,000. No balance transfer fees.
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Fixed interest rate on purchases, cash advances, and balance transfers. No balance transfer fee, cash advance fee, or foreign transaction fee. Includes CU Rewards Program.
Credit card score 87 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Up to $20,000 limit. No Annual Fee, No Balance Transfer Fee, No Penalty Rate, No Cash Advance Fee.
Credit card score 87 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.59%APRas low as · up to 17.90%
9.59% APR, up to 17.90%
Terms
Fixed APR based on creditworthiness. Credit line up to $30,000.
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.60%APRas low as
Terms
Fixed rate. Credit limit up to $20,000. 1% cash back on all purchases.
Credit card 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