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 46–60 of 2,143 nationwide · median 10.90% APR
- 7.00%APRas low as
Terms
APR as low as 7.00%. Actual rate based on credit. Variable monthly rate tied to the prime rate. No balance transfer fee, cash advance fee, or foreign transaction fee. Annual fee $50 (can be paid with points).
Credit card score 92 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as
Terms
Ongoing variable APR equal to the Prime Rate without added margins. Applies to purchases, balance transfers, and cash advances.
Credit card score 92 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 7.15%APRas low as
Terms
Variable rate. 25-day grace period.
Credit card score 95 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 7.17%APRas low as · up to 22.99%
7.17% APR, up to 22.99%
Terms
Purchase APR for purchases made after 90 days following account opening, based on creditworthiness from Annual Credit Monitoring.
Credit card score 95 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - Gulf Coast Educators Federal Credit UnionTexas Educators Rewards Credit Card · No annual fee
Credit union
7.24%APRas low as · up to 17.24%7.24% APR, up to 17.24%
Terms
Base APR is 10.24% (or 8.74% on rates page). Standard purchase variable APR ranges from 6.99% to 16.99% based on creditworthiness and varies with the market based on the Prime Rate.
Credit card score 95 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 7.25%APRas low as
Terms
Fixed rate of 7.25% applies to purchases, balance transfers, and cash advances. No annual fee. 25-day grace period on purchases.
Credit card score 95 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 7.25%APRas low as
Terms
Non-variable interest rate. Rate based on creditworthiness and term of loan. 25-day grace period.
Credit card score 95 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 7.45%APRas low as · up to 18.00%
7.45% APR, up to 18.00%
Terms
Rate based on creditworthiness and term of loan. No Annual Fee.
Credit card score 95 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 7.45%APRas low as
Terms
Rate is stated as 'as low as'. Actual APR determined by credit qualifications. No annual fee, no balance transfer fee, no cash advance fee.
Credit card score 95 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 7.45%APRas low as · up to 17.99%
7.45% APR, up to 17.99%
Terms
Regular variable APR based on creditworthiness. Prime Rate is 7.00% as of 10/01/2026.
Credit card score 95 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 7.50%APRas low as · up to 18.00%
7.50% APR, up to 18.00%
Terms
Your credit history will determine the interest rate and term of the loan.
Credit card score 95 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 7.50%APRas low as
Terms
Credit Tier 1.
Credit card score 95 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 7.50%APRas low as · up to 16.75%
7.50% APR, up to 16.75%
Terms
Rate is based on creditworthiness.
Credit card score 95 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 7.50%APRas low as
Terms
Purchase APR starting at 7.50% APR (or 7.5% depending on credit).
Credit card score 95 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 7.50%APRas low as
Terms
Non-variable rate. Best for credit scores 730+. Credit limit up to $25,000. No annual fee. No balance transfer fee, but interest accrues on balance transfers from date of transfer. Earns 1 point per $1 spent on eligible purchases (2X points promo 10/1/2026 - 12/31/2026).
Credit card score 95 · Carrot Score 93
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