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 721–735 of 2,146 nationwide · median 10.90% APR
- 9.90%APRas low as
Terms
Fixed purchase rate. 25-day grace period on purchases when balance is paid in full each month.
Credit card score 84 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Purchase rate; Variable Rate.
Credit card score 84 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Non-variable rate for purchases, balance transfers, and cash advances. Credit limit $500 - $10,000. 25-day grace period on purchases to avoid interest.
Credit card score 84 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate. Credit limit up to $75,000 (credit limits of $5,000 or more require a checking account with direct deposit).
Credit card score 84 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Credit card score 84 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Revolving term. Stated APR is the lowest rate available for qualified members; applicant's rate may be higher based on credit history.
Credit card score 84 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 15.90%
9.90% APR, up to 15.90%
Terms
All rates subject to credit approval and credit score. Additional rate adjustments may apply based upon credit score. 4.00% with any bankruptcy within the last 36 mos. Other restrictions may apply. Rates subject to change without notice.
Credit card score 84 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 12.50%
9.90% APR, up to 12.50%
Terms
Fixed rate; credit limit up to $20,000; APR is 9.90% - 12.50% based on credit qualification for purchases, cash advances, and balance transfers. No annual fee, cash advance fee or balance transfer fee.
Credit card score 84 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed APR determined by creditworthiness. Revolving term.
Credit card score 84 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
No annual fee, no cash advance fee and no balance transfer fee.
Credit card score 84
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Standard fixed rate based on creditworthiness.
Credit card score 84 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 12.90%
9.90% APR, up to 12.90%
Terms
Rates based on creditworthiness; APR options are 9.90%, 11.90%, or 12.90% for purchases. 25-day interest free grace period on purchases paid in full. Zero transaction fees.
Credit card score 84 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 15.90%
9.90% APR, up to 15.90%
Terms
Fixed APR for 24 months after card issued. Rate based on creditworthiness. 23-day grace period on purchases if entire balance is paid by due date.
Credit card score 84 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed rate. Rate based on credit history, collateral and loan characteristics. No interest charged if balance is paid in full within 25-day grace period.
Credit card score 84 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 18.00%
9.90% APR, up to 18.00%
Terms
Annual Percentage Rate for Purchases. Rate differential based on credit score.
Credit card score 84 · Carrot Score 80
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