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 1111–1125 of 2,140 nationwide · median 10.90% APR
- 10.90%APRas low as
Terms
Fixed rate; regular APR as low as 10.90% for purchases and cash advances. Rates and terms are effective as of October 1, 2026.
Credit card score 79 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
As low as 10.90% APR with no annual fee.
Credit card score 79 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Fixed Rate. Minimum $5,000 credit limit. Approval is dependent on credit and underwriting factors. Free balance transfer.
Credit card score 79 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Fixed rate
Credit card score 79 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Standard fixed rate APR based on credit worthiness.
Credit card score 79 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Fixed APR for Purchases, Cash Advance, and Balance Transfer. 25-day grace period for repayment of purchase balance.
Credit card score 77 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 10.92%APRas low as
Terms
Applies to customers with a credit score of 720 or greater. Monthly periodic rate is 0.91%. Stated APR covers purchases, balance transfers, and cash advances.
Credit card score 79
Rate checked · Credit cards rates on its site
Rates and branches - 10.92%APRas low as
Terms
25 day grace period on purchases; no cash advance fee
Credit card score 79 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 10.95%APRas low as
Terms
Go-to rate after 12 months on new cards issued starting March 1, 2023. Same rate applies to purchases and cash advances.
Credit card score 79 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 10.95%APRas low as
Terms
Fixed APR for purchases, cash advances and balance transfers. Card designation and associated rate is based on credit worthiness and underwriting criteria.
Credit card score 79 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 10.95%APRas low as
Terms
Rate applies to purchases, cash advances, and balance transfers. APR varies with the prime rate published in the Wall Street Journal.
Credit card score 79 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 10.95%APRas low as · up to 18.00%
10.95% APR, up to 18.00%
Terms
Rate based on creditworthiness for purchases. Fixed rate.
Credit card score 79 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 10.95%APRas low as
Terms
APR as low as 10.95%
Credit card score 79 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 10.95%APRas low as
Terms
Fixed rate of 10.95% APR for qualified borrowers.
Credit card score 79 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 10.95%APRas low as
Terms
Fixed Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances.
Credit card 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
2,140 banks and credit unions · checked Oct 22–25
- 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
- Popular DirectBank
- Synchrony BankBank