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 1216–1230 of 2,142 nationwide · median 10.90% APR
- 11.00%APRas low as
Terms
Variable rate based on Prime plus 4.00%. Subject to credit approval. Rates based on individual credit.
Credit card score 77 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Credit card score 77 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Rates as low as 11.00% APR. Credit is subject to approval. Rate is subject to change and may vary based on creditworthiness. Must qualify for membership.
Credit card score 77 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 11.15%APRas low as
Terms
As low as 11.15% APR. APR varies by creditworthiness. Consumer credit card offer. Evidence cites APR starting at 11.15% on p24 lines 20-21 and p49 line 156.
Credit card score 77 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 11.15%APRas low as · up to 17.15%
11.15% APR, up to 17.15%
Terms
Variable rate subject to change after account opening; tied to Prime Rate published in WSJ plus margin and adjusted quarterly.
Credit card score 77 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 11.15%APRas low as · up to 18.00%
11.15% APR, up to 18.00%
Terms
Purchase APR is 11.15%, 16.40%, 17.40%, or 18.00% depending on creditworthiness. Variable APR determined by adding 4.15%, 9.40%, 10.40%, or 12.40% to the Prime Rate. Maximum APR is 18.00%.
Credit card score 77 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.20%APRas low as · up to 17.99%with conditions
11.20% APR, up to 17.99%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Minimum payment: 3% of balance or $18, whichever is greater. Stated rates as low as apply to well-qualified applicants in combination with relationship discounts.
Credit card score 77 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.20%APRas low as · up to 18.00%
11.20% APR, up to 18.00%
Terms
Regular variable APR dependent upon credit rating and other factors; varies with market based on prime rate.
Credit card score 77 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 11.24%APRas low as
Terms
Variable rate. APR shown is the lowest available rate; actual APR may be higher depending on factors including borrower's credit history.
Credit card score 77 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.24%APRas low as · up to 23.24%
11.24% APR, up to 23.24%
Terms
Variable APR applies after the intro APR offer ends. Subject to credit approval.
Credit card score 77 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.24%APRas low as · up to 18.00%
11.24% APR, up to 18.00%
Terms
After that, your APR is based on your creditworthiness and will be one of the following. Variable rate based on Prime Rate.
Credit card score 77 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.24%APRas low as
Terms
Variable rate currently at 11.24% APR (Prime Rate + 6.75%), maximum 14.90% APR. The rate is determined by adding 6.75% for purchases, cash advances, and balance transfers to the Prime Rate. 25-day grace period on new purchases if balance is paid in full each month. No annual fee, no balance transfer fee, no cash advance fee.
Credit card score 77 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 11.24%APRas low as · up to 18.24%
11.24% APR, up to 18.24%
Terms
When you open your account, based on your creditworthiness. Variable APR based on Prime Rate.
Credit card score 77 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.24%APRas low as
Terms
As low as 11.24%. Stated as same low rate for balance transfers, cash advances, and purchases with no balance transfer or cash advance fees.
Credit card score 77 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 11.24%APRas low as · up to 18.00%
11.24% APR, up to 18.00%
Terms
Purchase rate is variable and based upon market prime rate and creditworthiness. Maximum APR will not exceed 18%.
Credit card score 77 · Carrot Score 65
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