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 1231–1245 of 2,142 nationwide · median 10.90% APR
- 11.25%APRas low as
Terms
Standard variable APR for purchases applied to unpaid introductory balances, new purchases, and new balance transfers after the introductory period. Rate based on credit history.
Credit card score 76 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.25%APRas low as
Terms
Credit Score 680+; Max Credit Limit $10,000
Credit card score 76 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.25%APRas low as
Terms
Fixed rate as low as 11.25% APR on purchases, balance transfers, and cash advances. Non-Introductory/Standard Rates. Subject to final credit approval and creditworthiness; 3% balance transfer fee applies. No annual fee.
Credit card score 76 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.25%APRas low as · up to 18.00%
11.25% APR, up to 18.00%
Terms
The APR and credit limit are based on an individual's credit worthiness. The APR will vary with the market based on the Prime Rate. No annual fee.
Credit card score 76 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.25%APRas low as · up to 18.25%
11.25% APR, up to 18.25%
Terms
Regular variable rate applies to purchases, balance transfers, and cash advances. Variable rate is based on highest Prime Rate published in The Wall Street Journal on the last business day of the month preceding the current calendar quarter plus a margin based on a six-month credit review. Maximum 18.00% APR.
Credit card score 76 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 11.25%APRas low as
Terms
Starting APR as low as 11.25% for well qualified applicants based on credit history and underwriting factors.
Credit card score 76 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.35%APRas low as
Terms
Variable APR as low as 11.35% based on creditworthiness. Credit limits $250 - $20,000. No annual fee. Rates variable tied to Prime rate.
Credit card score 76 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 11.40%APRas low as
Terms
Revolving term. No annual fee. Rates as low as 11.40% APR. Rates effective as of 10/01/2026. A foreign transaction fee of up to 1% may be imposed. Rate may include Auto Pay, Active Checking, and/or Fully Protected discounts. Variable rates subject to increase or decrease. Subject to credit approval.
Credit card score 76 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.40%APRas low as · up to 22.40%
11.40% APR, up to 22.40%
Terms
Ongoing variable APR for purchases, balance transfers, and cash advances based on creditworthiness. Rate calculated as The Wall Street Journal Prime Rate plus 4.40% to 15.40% margin.
Credit card score 76 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.40%APRas low as · up to 18.00%
11.40% APR, up to 18.00%
Terms
11.40% – 18.00% APR. Same APR for purchases, cash advances, and balance transfers. No annual fees or balance transfer fees. Maximum APR capped at 18%. Rate is subject to change.
Credit card score 76 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 11.40%APRas low as
Terms
Rate based on creditworthiness and term of loan. Subject to credit approval. 25-day grace period on purchases; no transaction fees on domestic purchases.
Credit card score 76 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low as
Terms
Variable rate / as low as APR. All loans subject to normal lending criteria and requirements.
Credit card score 76 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low as
Terms
Variable APR based on WSJ Prime plus a margin. Assumes excellent borrower credit history. Subject to credit approval and credit union membership.
Credit card score 76 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low as · up to 18.00%
11.49% APR, up to 18.00%
Terms
Rates based on creditworthiness. Variable APR based on Prime Rate. Maximum credit line up to $35,000. No annual fee. Foreign transaction fee is 1.00%. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases.
Credit card score 76 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low as · up to 21.49%
11.49% APR, up to 21.49%
Terms
Thereafter the then-prevailing APR will be applied to outstanding balances. Variable APR based on Prime Rate and creditworthiness (between 11.49% - 21.49% as of August 2, 2026). Rate subject to change semi-annually. Minimum credit line $500.
Credit card score 76 · Carrot Score 81
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