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 856–870 of 2,146 nationwide · median 10.90% APR
- 9.99%APRas low as
Terms
VISA Classic purchases. Grace period 25 days. No annual fee, transaction fee for purchases, or balance transfer fee. Average Daily Balance (including new purchases).
Credit card score 82 · Carrot Score 67
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed interest rate with no annual fee. Full account relationship and credit approval required.
Credit card score 82 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Rates as low as 9.99%. Rate determined by borrower's credit score and card type. Non-variable. Credit limits up to $10,000. Same Rate for Purchases and Cash Advances. Interest-free Grace Period on Purchases. Rate reduced 2% on all balance transfers.
Credit card score 82 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Non-variable interest rate.
Credit card score 82 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
No Annual Fees
Credit card score 82 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Rates as low as 9.99% APR. No annual fee, no cash advance fee, no balance transfer fee.
Credit card score 82 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Fixed APR for Purchases.
Credit card score 82 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Fixed APR for purchases. Annual fee None.
Credit card score 82 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Rates as low as 9.99% APR. Rate based on creditworthiness and term of loan. No balance transfer fees, no cash advance fees, no rate increase for cash advances.
Credit card score 82 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Lowest percentage rate available; APR may be higher depending on credit score and credit history.
Credit card score 82 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
APR on all purchases. Minimum credit limit is $5,000.
Credit card score 82 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 14.99%
9.99% APR, up to 14.99%
Terms
Fixed rate. 25-day grace period for new purchases. No annual fee and no fee for cash advances.
Credit card score 82 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Non-variable rate for Cash Advance and Purchases.
Credit card score 82 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
25-day grace period on purchases.
Credit card score 82 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Standard non-variable APR for purchases. Same APR for purchases and cash advances.
Credit card score 82 · Carrot Score 81
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