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 1141–1155 of 2,140 nationwide · median 10.90% APR
- 10.99%APRas low as
Terms
Fixed rates as low as 10.99% APR. Minimum payment: greater of 3% of balance or $30.00. No annual fees. Availability based on creditworthiness.
Credit card score 77 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 17.99%
10.99% APR, up to 17.99%
Terms
Depending on your creditworthiness. We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date.
Credit card score 77 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Variable rate as low as 10.99%.
Credit card score 77 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Variable APR as low as 10.99% based on creditworthiness. Same rate on purchases, cash advances, and balance transfers. No annual or cash advance fees.
Credit card score 77 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 17.99%
10.99% APR, up to 17.99%
Terms
Variable APR based on creditworthiness, calculated by adding a margin of 3.99% - 14.99% to the Prime Rate. Maximum APR is 17.99%.
Credit card score 77 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Revolving terms. Rates starting at / as low as 10.99%. Rate based on creditworthiness.
Credit card score 77 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Annual Percentage Rate (APR) for Purchases as low as 10.99%. No annual fee. 25-day grace period on purchases.
Credit card score 77 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Annual Percentage Rate for purchases. Grace period for repayment of balance for purchases is 25 days before finance charge is imposed. Balance computed using Average Daily Balance (including new purchases). Minimum finance charge: None. Transaction fee for purchases: None.
Credit card score 77 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 17.99%
10.99% APR, up to 17.99%
Terms
Variable APR based on Prime + margin of 3.99% to 10.99% depending on creditworthiness. Maximum rate 20.99%. No annual fee, no cash advance fee, no balance transfer fee.
Credit card score 77 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 20.25%
10.99% APR, up to 20.25%
Terms
Annual Percentage Rate determined by borrowers' credit qualifications. Rates are subject to change without notice. No balance transfer fee, no cash advance fee.
Credit card score 77 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Your individual rate (APR) will be determined based on your credit score.
Credit card score 77 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 17.75%
10.99% APR, up to 17.75%
Terms
Standard Rate Purchases. Stated Annual Percentage Rates are with approved credit, effective as of October 1st, 2026, which are subject to change without notice. 25-day grace period on all Visa accounts. Variable rate on purchases and cash advances. No annual fee. Minimum monthly payment equal to 3% of balance or $18, whichever is greater.
Credit card score 77 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 12.99%
10.99% APR, up to 12.99%
Terms
Rate based on creditworthiness. Rate as low as 10.99% APR.
Credit card score 77 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 17.95%
10.99% APR, up to 17.95%
Terms
Interest rates range from 10.99%-17.95%. No annual fees. Special rates are available for active military personnel.
Credit card score 77 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
After that, 10.99% (prime + 3.99%). The APR will vary with the market based on Prime Rate.
Credit card score 77 · 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
2,140 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