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 976–990 of 2,146 nationwide · median 10.90% APR
- 10.50%APRas low as
Terms
Fixed rate. Rate based on creditworthiness and term of loan. 25-day grace period to avoid interest when the entire balance is paid by the due date.
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as · up to 18.00%
10.50% APR, up to 18.00%
Terms
Rates shown are subject to change and are for qualified borrowers; rate varies based on credit history.
Credit card score 81 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Terms
'As low as' rate based on credit performance and loan to value; maximum rate is 18.00%. No annual fee. Free balance transfers (no balance transfer fee).
Credit card score 81 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Terms
Rates starting at 10.5%. Rates based on creditworthiness and term of loan.
Credit card score 81 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as · up to 20.50%
10.50% APR, up to 20.50%
Terms
Rates on purchases. Same rates for cash advances and balance transfers. APR varies with market based on prime rate.
Credit card score 81 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Terms
Rates based on a FICO score 720 or above and subject to change. Rates as low as; good payment history with other creditors, and DTI under 55%.
Credit card score 81 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Credit card score 81 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Terms
Adjustable rate; rate as low as 10.5% APR. No annual membership fee.
Credit card score 81 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Terms
Rates as low as 10.50% APR variable. 25-day grace period on purchases. No annual fee. Variable interest rate. Payroll deduction or automatic transfer available.
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.65%APRas low as · up to 17.65%
10.65% APR, up to 17.65%
Terms
APR is based on creditworthiness at the time account is established and varies with the market based on the Prime Rate. CU SoCal credit cards feature no annual fee and a 25-day grace period on all purchases when balance is paid in full each month. 2% balance transfer fee. Aggregate maximum unsecured loan limit not to exceed $50,000. Est. payment: 3% of balance.
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.65%APRas low as · up to 17.90%
10.65% APR, up to 17.90%
Terms
Variable APR for purchases and balance transfers. Cash advance fee is 3% of amount advanced. No annual fee.
Credit card score 81 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 10.65%APRas low as
Terms
Rates as low as 10.65% APR.
Credit card score 81 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 10.65%APRas low as · up to 18.00%
10.65% APR, up to 18.00%
Terms
Variable APR based on Prime Rate and creditworthiness. Calculated by adding a margin to the index. 25-day grace period on purchases.
Credit card score 81 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 10.65%APRas low as · up to 20.40%
10.65% APR, up to 20.40%
Terms
Rates schedule APR for Purchases: 10.65% (table) / 10.40% to 20.40% (caption), when you open your account, based on creditworthiness. Variable with market based on Prime Rate. $0 annual fee.
Credit card score 81 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 10.70%APRas low as · up to 19.70%
10.70% APR, up to 19.70%
Terms
Variable APR based on creditworthiness, equal to Prime plus 3.70% - 12.70%. Prime Rate is 7.00% as of 9/17/2026. 25-day grace period on purchases.
Credit card score 81 · Carrot Score 75
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