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 886–900 of 2,146 nationwide · median 10.90% APR
- 9.99%APRas low as
Terms
APR as low as 9.99% on all purchases, balance transfers and cash advances. 25-day grace period on purchases. No annual fee, no balance transfer fee, and no cash advance fee. Subject to credit approval; individual rate and term may vary.
Credit card score 82 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
APR for Purchases.
Credit card score 82 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 17.99%
9.99% APR, up to 17.99%
Terms
Standard variable APR for purchases based on creditworthiness. 25-day grace period on purchases paid by the due date.
Credit card score 82 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 22.99%
9.99% APR, up to 22.99%
Terms
Rates range from 9.99% to 22.99%. Requires Telco membership, good credit, and application approval.
Credit card score 82 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 17.99%
9.99% APR, up to 17.99%
Terms
Variable APR on purchases based on creditworthiness.
Credit card score 82
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 16.99%
9.99% APR, up to 16.99%
Credit card score 82 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Annual Percentage Rate for Purchases.
Credit card score 82 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 18.00%with conditions
9.99% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates are based on credit qualifications, credit score and include rewards discounts. Rates are subject to change without notice. Members who have 3 or more products with TUFCU may qualify for a .50% discount on loans.
Credit card score 82 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Rate subject to change; effective October 2026. Variable APR applies to purchases, balance transfers, cash advances, and convenience checks. Rates are based on creditworthiness.
Credit card score 82 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR. Rate includes a discount for automatic payment. Subject to credit approval.
Credit card score 82 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
'As low as' APR rate is best available for select terms. Actual approval rate determined by your account history and credit qualifications. Other rates and terms available. Rates subject to change without notice. Not all applicants will qualify for the lowest rate, all loans subject to credit approval. Membership eligibility required. No annual fee.
Credit card score 82 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Credit card score 82
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
Advertised rate is 'A+' Tiered Rate under Reflective Loan Pricing Program.
Credit card score 82 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Grace period of at least 25 days after the close of each billing cycle; no interest charged on purchases if entire balance is paid by due date each month.
Credit card score 82 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Low fixed APR of 9.99% on purchases. 25-day grace period on purchases. No annual fee. Up to $10,000 maximum line.
Credit card score 82 · Carrot Score 84
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