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 1261–1275 of 2,142 nationwide · median 10.90% APR
- 11.50%APRas low as
Terms
Standard variable APR determined by credit history. No balance transfer fee, no cash advance fee. Method used to compute purchase balance is Average Daily Balance.
Credit card score 76 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 18.25%
11.50% APR, up to 18.25%
Terms
Rate based on creditworthiness. Variable APR based on Prime Rate. Applies to purchases, balance transfers, and cash advances.
Credit card score 76 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 17.80%
11.50% APR, up to 17.80%
Credit card score 76 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Terms
Adjustable Rate (Prime +4.5% APR*, 18% Max.).
Credit card score 76 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - East County Schools Federal Credit UnionVisa CU Reward / Platinum with CU Rewards · No annual fee
Credit union
11.50%APRas low asTerms
APR for Purchases, Balance Transfers, and Cash Advances is 11.50%. No annual fee. No balance transfer fee. Credit limit up to $50,000.
Credit card score 76 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Terms
Classic tier
Credit card score 76 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Credit card score 76 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 21.50%
11.50% APR, up to 21.50%
Terms
Variable APR as of October 22, 2026.
Credit card score 76 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Terms
Variable APR based on Prime + 4.50% (changes quarterly). Current APR for purchases and cash advances is Prime + 4.50% APR (11.25%). Average daily balance method including new purchases. 25-day grace period for purchases. $0 cash advance fee, $0 balance transfer fee, $0 annual fee.
Credit card score 76 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Terms
11.50% APR as low as; subject to approval. Rates and terms may vary based on creditworthiness.
Credit card score 76 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 19.50%
11.50% APR, up to 19.50%
Terms
Based upon your creditworthiness when you open your account. After that, your APR will vary with the market based upon the Prime Rate.
Credit card score 76 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 17.99%
11.50% APR, up to 17.99%
Terms
Variable rate varies from 11.50% to 17.99% APR based on one's credit at account opening and whether the rewards option is chosen
Credit card score 76 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Terms
Tier 1. Fixed rate. No minimum interest charge. 25-day grace period.
Credit card score 76 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Terms
Rate stated as 'as low as'.
Credit card score 76 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 22.00%
11.50% APR, up to 22.00%
Terms
Variable APR based on creditworthiness; varies with the market based on the prime rate.
Credit card score 76 · Carrot Score 73
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