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.
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Top credit card rates
Showing 1201–1215 of 2,142 nationwide · median 10.90% APR
- 11.00%APRas low as
Terms
Credit Score > 800; Purchase APR
Credit card score 77 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Standard rate: Wall Street Journal Prime Rate plus 4.00%. No annual fee, no balance transfer fee.
Credit card score 77 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as · up to 21.00%
11.00% APR, up to 21.00%
Terms
Variable APR for Purchases, Cash Advances and Balance Transfers: 11.00%, 12.00%, 14.00%, 16.00%, or 21.00% depending on credit history. Varies with the market based on the Prime Rate.
Credit card score 77 · Carrot Score 67
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as · up to 18.00%
11.00% APR, up to 18.00%
Terms
Member-only rates as low as 11.00% APR; never pay over 18% APR. Rates and terms based upon creditworthiness.
Credit card score 77 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as · up to 14.00%
11.00% APR, up to 14.00%
Terms
Base interest rate is the lowest available rate; actual rate depends on credit history. Rate is tied to market prime plus percentage (as low as prime + 4%, margin range from 4% to 7%). Interest rates are the same for purchases and cash advances. 30 days to repay balance for purchases before a finance charge. Maximum APR 18%.
Credit card score 77 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Variable APR based on the Prime Rate. Applies to purchases.
Credit card score 77 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as · up to 18.00%
11.00% APR, up to 18.00%
Terms
Revolving unsecured credit card loan rate schedule based on creditworthiness.
Credit card score 77 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Variable rate as low as 11.00%. No annual fee, no cash advance fee, no teaser rates, and a 25-day grace period on purchases.
Credit card score 77 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Variable rate based on Prime Rate + 4.0% margin.
Credit card score 77 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Standard variable APR is WSJP (Wall Street Journal Prime) + 4%. Listed APR is as low as and based on credit qualification.
Credit card score 77 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Rates as low as 11.00% APR. The specific rate and term will depend on credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice.
Credit card score 77 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Beacon Score 730 or more. Variable rate determined monthly by adding 4% to the Prime Rate. Grace period 25 days for repayment of balances for purchases.
Credit card score 77 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Credit line up to $5,000. 25-day grace period on purchases. Revolving terms.
Credit card score 77 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as · up to 15.00%
11.00% APR, up to 15.00%
Terms
Variable APR as of September 17, 2026. Rate adjusts quarterly and equals Prime Rate plus 4.00% to 8.00% depending on creditworthiness. Rate currently as low as 11.00%. Max credit limit $25,000.
Credit card score 77 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as · up to 17.99%
11.00% APR, up to 17.99%
Terms
Based on creditworthiness; variable interest rate
Credit card score 77 · Carrot Score 85
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?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank