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 106–120 of 2,143 nationwide · median 10.90% APR
- 7.92%APRas low as · up to 12.84%
7.92% APR, up to 12.84%
Terms
Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and underwriting standards. No annual fees.
Credit card score 93 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 7.95%APRas low as · up to 17.90%
7.95% APR, up to 17.90%
Terms
Fixed rate based on credit score and credit approval.
Credit card score 93 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 7.95%APRas low as · up to 17.95%
7.95% APR, up to 17.95%
Terms
Non-Variable APR. 10-day grace period (also listed as 25-day grace period for all purchases). No cash advance or balance transfer fees.
Credit card score 93 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 7.98%APRas low as
Terms
APR As low as 7.98%. Terms up to $25,000 credit limit. No Annual Fee. Preferred rate is with a FICO score of 720 or above. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. No additional discounts may be applied.
Credit card score 93 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as · up to 17.99%
7.99% APR, up to 17.99%
Terms
Rate dependent on credit rating / creditworthiness when account is opened.
Credit card score 93 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as · up to 15.99%
7.99% APR, up to 15.99%
Terms
Annual Rate (APR) for Purchases 7.99% to 15.99% based on your creditworthiness. Low fixed rate. No annual fee. Membership eligibility required.
Credit card score 93 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as
Terms
Purchases. APR as low as 7.99%. Rates advertised are the lowest available, determined by individual creditworthiness. Credit Union membership required.
Credit card score 93 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as
Terms
No Annual Fee/No Cash Advance Fee. Plus Earn Rewards Points. APR is based on creditworthiness, loan type, term and is subject to underwriting guidelines.
Credit card score 93 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as
Terms
Variable rate set at Prime with floor of 7.99%. Grace period on purchases. Earn Rewards – $0.01 for every $1 charged.
Credit card score 93 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as · up to 17.99%
7.99% APR, up to 17.99%
Terms
For qualified buyers. Rates are based on creditworthiness and the term of the loan. Rates are subject to change at any time and are not guaranteed.
Credit card score 93 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as · up to 21.99%
7.99% APR, up to 21.99%
Terms
Rates are based on the member's credit score. No annual fee.
Credit card score 93 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as
Terms
Credit Score: A+, A, B
Credit card score 93 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
No annual fee. No balance transfer fees. Fixed rate. Rates based on creditworthiness and reflect maximum discounts available. 25-day interest-free grace period on purchases.
Credit card score 93 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as
Terms
No annual fee, no balance transfer fee, no cash advance fee.
Credit card score 93 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as
Terms
Rate as low as 7.99% APR based on creditworthiness. Annual use required or a fee may be imposed.
Credit card score 93 · Carrot Score 92
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
2,143 banks and credit unions · checked Oct 15–22
- 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