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 961–975 of 2,146 nationwide · median 10.90% APR
- 10.49%APRas low as · up to 18.00%
10.49% APR, up to 18.00%
Terms
Variable APR for Purchases, Cash Advances and Balance Transfers based on creditworthiness and varies with the market based on the Prime Rate. 25-day grace period on purchases when balance is paid in full. No annual fee or 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
Based on your credit worthiness when you open your account. Variable APR based on Prime Rate. Rates are determined and adjusted monthly on the day following statement closing date by adding a margin to the highest U.S. Prime Rate as of the 15th of the previous month. Maximum APR will not exceed 18.00%.
Credit card score 81 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 10.49%APRas low as · up to 18.49%
10.49% APR, up to 18.49%
Terms
Standard variable APR based on Prime Rate (7.00% as of 9/16/2026) plus a margin of 3.49% to 11.49% based on creditworthiness. Variable card APR maximum 27%.
Credit card score 81 · Carrot Score 80
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%
Terms
AS LOW AS 10.24% APR. Platinum Rates based on 3.49% – 9.49% above the Prime Lending Rate as published by The Wall Street Journal.
Credit card score 81 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 10.49%APRas low as · up to 17.99%
10.49% APR, up to 17.99%
Terms
After the introductory period expires, or if you do not qualify for an introductory rate, your standard variable APR will range between 10.49% and 17.99% for purchases based on creditworthiness. Rate varies with the market based on WSJ Prime Rate.
Credit card score 81 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 10.49%APRas low as · up to 14.49%
10.49% APR, up to 14.49%
Terms
Variable rate determined by applicant's credit rating: 3.49% + Prime or 7.49% + Prime.
Credit card score 81 · Carrot Score 94
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 Prime Rate (10.49% to 18.00%) for purchases, balance transfers, and cash advances depending on creditworthiness. Maximum credit limit up to $50,000. No annual fee.
Credit card score 81 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 10.49%APRas low as · up to 18.24%
10.49% APR, up to 18.24%
Terms
Variable APR based on the Prime Rate. Rate determined by creditworthiness and individual qualifications. Applies to purchases, balance transfers, and cash advances. 25-day grace period on purchases.
Credit card score 81 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 10.49%APRas low as
Terms
Variable APR as low as 10.49%. No annual fee or balance transfer fee. Subject to credit approval.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.49%APRas low as · up to 25.49%
10.49% APR, up to 25.49%
Terms
Standard variable purchase APR based on creditworthiness. No interest charged on purchases if entire balance owed is paid each month within 25 days of statement closing date. No annual fee.
Credit card score 81 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 10.49%APRas low as
Terms
Variable ongoing APR for purchases, balance transfers, and cash advances calculated as Prime Rate + 6.99%. Maximum APR 21%. Index was 3.5% as of March 25, 2022.
Credit card score 81 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Terms
Variable interest rates as low as 10.50% APR based on creditworthiness. Variable rate subject to change after account opening. All loans subject to credit approval.
Credit card score 81 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Terms
Non-variable rate. Subject to credit approval.
Credit card score 81 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Terms
No Term. Additional discount available for qualified borrowers with auto-pay. Rate based on creditworthiness.
Credit card score 81 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Terms
Variable regular APR based on Prime Rate. Revolving with 25-day grace period.
Credit card score 81 · Carrot Score 76
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