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 76–90 of 2,143 nationwide · median 10.90% APR
- 7.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
7.9% fixed APR if share secured. Same low rate for purchases, cash advances and balance transfers.
Credit card score 93 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as · up to 17.90%
7.90% APR, up to 17.90%
Terms
7.90% APR to 17.90% APR fixed rate after the first 6 months. Determined based on creditworthiness. Rate will not increase while the plan is open.
Credit card score 93 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Terms
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers. Minimum credit limit $5,000, maximum credit limit $20,000. Minimum payment is the greater of $10 or 3.0% of the outstanding balance.
Credit card score 93 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Terms
Minimum $5,000.00 credit line. 25-day grace period on all purchases.
Credit card score 93
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Cardholder must maintain an active checking account (8 or more transactions for 30 days) and one of the following: a member for at least five years, a mortgage loan, a home equity loan or an auto loan.
Credit card score 93 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Terms
Rates as low as 7.90% APR based on applicant's credit.
Credit card score 93 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as · up to 16.90%
7.90% APR, up to 16.90%
Terms
Rate depends on borrower's credit score; maximum credit limit of $15,000.00.
Credit card score 93 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as · up to 14.90%
7.90% APR, up to 14.90%
Terms
Actual APR determined by credit history, income, and underwriting review.
Credit card score 93 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Terms
Credit score 680+
Credit card score 93 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as · up to 16.90%
7.90% APR, up to 16.90%
Terms
Rate determined by creditworthiness.
Credit card score 93 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as · up to 15.90%
7.90% APR, up to 15.90%
Terms
Actual rate determined on past credit history of borrower. Non-variable rate. Credit lines up to $15,000.
Credit card score 93 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Terms
Requires at least a 680 Credit Score.
Credit card score 93 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Credit card score 93 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Credit card score 93 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Terms
Fixed APR. No annual fee. No balance transfer fees. 5-day grace period.
Credit card score 93 · Carrot Score 89
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