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 946–960 of 2,146 nationwide · median 10.90% APR
- 10.25%APRas low as
Terms
Rate is as low as 10.25% APR. Variable rate based on Prime Rate; same low rate for purchases, balance transfers and cash advances. No annual fee, balance transfer fee or cash advance fee.
Credit card score 81 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 10.25%APRas low as
Terms
Credit Tier A (Credit Score 680-729).
Credit card score 81 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 10.25%APRas low as
Terms
Visa Balance Transfer / New Purchase Program for new purchases; based on creditworthiness. Annual fee none.
Credit card score 81 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 10.25%APRas low as · up to 18.00%
10.25% APR, up to 18.00%
Terms
Regular purchase APR is variable (10.25% to 18.00%) and subject to credit approval based on underwriting factors.
Credit card score 81 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 10.25%APRas low as · up to 17.45%
10.25% APR, up to 17.45%
Terms
Variable APR as of 04/07/2026. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on creditworthiness. Applies to Purchases. Amount $300 - $50,000. (Table row lists 02/26/2026 while rates header and footnote 1 state effective 04/07/2026).
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.25%APRas low as · up to 18.00%
10.25% APR, up to 18.00%
Terms
APR determined upon account opening based on creditworthiness, then varies with market based on Prime Rate. Applies to purchases, balance transfers, and cash advances.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.25%APRas low as · up to 16.75%
10.25% APR, up to 16.75%
Terms
Variable APR ranges from 10.25% to 16.75% APR. Monthly payment is 2.5% of balance.
Credit card score 81 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 10.40%APRas low as · up to 16.40%
10.40% APR, up to 16.40%
Terms
Variable APR for purchases, balance transfers, and cash advances based on creditworthiness.
Credit card score 81 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 10.40%APRas low as · up to 15.40%
10.40% APR, up to 15.40%
Terms
Variable APR based on prime rate; 10.40% - 15.40% APR for purchases and cash advances. No annual fee. $0 fee on non-promotional balance transfers.
Credit card score 81 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 10.40%APRas low as
Terms
Platinum I tier. Variable APR based on Prime Rate.
Credit card score 81 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 10.40%APRas low as · up to 21.50%
10.40% APR, up to 21.50%
Terms
Rates as low as 10.40% APR on purchases. Subject to change quarterly to Prime Rate plus 3.4% - 14.5%.
Credit card score 81 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 10.45%APRas low as
Credit card score 81 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 10.45%APRas low as
Terms
Rates as low as 10.45% APR. Maximum limit $25,000. Determined by credit history and payment method. No annual fee. No balance transfer fee.
Credit card score 81 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 10.49%APRas low as · up to 18.00%
10.49% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; no annual fee or cash advance fee; foreign transaction fees apply.
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.49%APRas low as · up to 16.49%
10.49% APR, up to 16.49%
Credit card score 81 · Carrot Score 82
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?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank