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 931–945 of 2,146 nationwide · median 10.90% APR
- 10.00%APRas low as · up to 16.00%with conditions
10.00% APR, up to 16.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate. Lowest rates reflect a 2% discount for accounts with checking, direct deposit, debit card, home banking, and e-statements. Minimum payment is 2% of balance or $25, whichever is greater. No fee for cash advances.
Credit card score 81 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 10.00%APRas low as · up to 15.00%
10.00% APR, up to 15.00%
Terms
APR 10%-15%; no annual fee; interest rate policy applies.
Credit card score 81 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 10.00%APRas low as · up to 16.25%
10.00% APR, up to 16.25%
Terms
Rates are based on the fair isaac scores contained within a credit report. Rate based on creditworthiness and term of loan.
Credit card score 81 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 10.00%APRas low as
Terms
Rates as low as 10%. Terms and rates subject to credit score.
Credit card score 81 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 10.00%APRas low as · up to 21.00%
10.00% APR, up to 21.00%
Terms
Rewards Annual Percentage Rate (APR) is between 10% – 21%.
Credit card score 81 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 10.00%APRas low as
Terms
APR is as low as 10.00% based on individual credit history with approved credit (WAC). Payment calculation is $10.00 or 3% of principal balance including new purchases.
Credit card score 81 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 10.15%APRas low as
Terms
Grace period is at least 25 days after the close of each billing cycle when paying the entire balance by the due date. Average daily balance method.
Credit card score 81 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 10.20%APRas low as
Terms
Limit range from $500-$10,000; No Annual Fee
Credit card score 81 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 10.20%APRas low as
Terms
Rates and limits are based on Credit Score. Non-variable rate.
Credit card score 81 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 17.24%
10.24% APR, up to 17.24%
Credit card score 81 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.24%
10.24% APR, up to 18.24%
Terms
Variable APR on purchases based on creditworthiness.
Credit card score 81
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as
Terms
Variable rate. Subject to credit approval and individual creditworthiness. No annual fee. 25-day grace period for purchases.
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable rate. Rate when you open account, based on creditworthiness. 25-day grace period on purchases. Cash advance fee 1.50%. No balance transfer fee.
Credit card score 81 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as
Terms
Low variable rate.
Credit card score 81 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; tied to the U.S. Prime Rate.
Credit card score 81 · 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
2,146 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