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 1171–1185 of 2,142 nationwide · median 10.90% APR
- 10.99%APRas low as
Terms
Rates depend on credit. Open term. No annual fee.
Credit card score 77 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Must meet membership requirements.
Credit card score 77 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Fixed rate. No cash advance fee. No balance transfer fee. Rates as low as 10.99% APR.
Credit card score 77 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Fixed APR for purchases. Grace period of at least 25 days after the close of each billing cycle on purchases if entire balance is paid by due date.
Credit card score 77 · Carrot Score 69
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
Rate between 10.99% and 17.99% APR based on creditworthiness and qualifications. Non-variable rate. Limit $300+.
Credit card score 77 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 17.99%with conditions
10.99% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates advertised for Visa Credit Card include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Open-ended fixed rate line of credit with variable payment calculated at 2% of outstanding balance or $25.00, whichever is greater. Includes 24-day grace period on purchases, no balance transfer fees, and no cash advance fees.
Credit card score 77 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
No balance transfer fee. 25 day interest-free grace period on purchases. Minimum payment amounts are 4% of balance each month or $10.00 per month. Rate listed as low as; actual rate may be higher based on credit history and other factors.
Credit card score 77 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 16.99%
10.99% APR, up to 16.99%
Terms
Fixed APR for purchases, balance transfers, and cash advances (tiers: 10.99%, 14.99%, 15.99%, 16.99%). Rates based on individual creditworthiness. Penalty APR 18.00% if payment 60 days late. 25-day grace period on purchases. Average daily balance calculation method.
Credit card score 77 · Carrot Score 86
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
Standard ongoing rate after 6 months.
Credit card score 77 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Annual percentage rate after the introductory period ends for purchases and balance transfers.
Credit card score 77
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Standard purchase APR. Fixed rate. Payment is 3% of loan balance, minimum of $20.00.
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 18.00%
10.99% APR, up to 18.00%
Credit card score 77 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 24.99%
10.99% APR, up to 24.99%
Terms
Standard purchase APR based on creditworthiness up to a maximum rate of 24.99% APR. The APR is variable and may change after account opening up to a maximum rate of 25.00% APR. Current as of 01/01/2026.
Credit card score 77 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Subject to credit approval and subject to change without notice. Rate formula: As low as Prime + 3.99% APR. 25-day grace period.
Credit card score 77 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Rates are based on individual creditworthiness. As low as 10.99% APR. No annual fee, no balance transfer fee, 25-day grace period.
Credit card score 77 · Carrot Score 80
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
2,142 banks and credit unions · checked Oct 22–26
- 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