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 1276–1290 of 2,142 nationwide · median 10.90% APR
- 11.50%APRas low as
Terms
Non-variable APR applies to purchases, balance transfers, and cash advances. 25-day grace period on purchases if paid in full each month by the due date.
Credit card score 76 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 18.00%
11.50% APR, up to 18.00%
Terms
Variable APR based on product type and creditworthiness, varying with the market based on the U.S. Prime Rate.
Credit card score 76 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Terms
Variable APR based on Prime Rate as published in the Wall Street Journal, plus a margin. Subject to credit approval. Minimum monthly payment 2% of balance or $25.00. No annual fee and no balance transfer fee. Cash advance fee is 3% of transaction amount with $10 minimum, $75 maximum; foreign transaction fee is up to 2%.
Credit card score 76 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 19.75%
11.50% APR, up to 19.75%
Terms
APR will vary with the market based upon the Prime Rate. Rates are applicable for purchases, balance transfers, and cash advances. Rates and terms will vary based upon credit worthiness of individual applicants.
Credit card score 76 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Terms
When you open your account, based on your creditworthiness
Credit card score 76 · Carrot Score 67
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 14.50%
11.50% APR, up to 14.50%
Terms
Variable APR on purchases equals Prime + margin of 4.50% - 7.50% based on creditworthiness. No annual fee.
Credit card score 76 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Credit card score 76 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 17.50%
11.50% APR, up to 17.50%
Terms
Regular variable purchase APR based on credit score tier. No annual fee, no cash advance fees, 25-day grace period on purchases.
Credit card score 76 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Terms
11.50% Fixed APR on purchases and cash advances; 25 Day Grace Period; Manage online 24/7 thru eZCardInfo.com.
Credit card score 76 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Credit card score 76 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 14.50%
11.50% APR, up to 14.50%
Terms
Variable APR on purchases. Equals U.S. Prime Rate plus a margin of between 4.50% and 7.50%, based on creditworthiness at account opening. Variable APR subject to change with the U.S. Prime Rate as published in The Wall Street Journal on the first day of billing period that begins in January, April, July and October. Interest begins to accrue from the day transaction is added to daily balance; avoid paying interest if entire balance for prior billing cycle paid by payment due date.
Rate checked · Credit cards rates on its site
Rates and branches - 11.65%APRas low as
Terms
Beacon Score 740+. 25-day grace period.
Credit card score 75 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 11.65%APRas low as
Terms
Revolving term. As low as 11.65% APR. No annual fee. Credit limit up to $20,000.
Credit card score 75 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.65%APRas low as · up to 18.00%
11.65% APR, up to 18.00%
Terms
After the introductory period, the rate will return to the variable rate based on credit qualifications, currently 11.65% - 18.00% APR as of October 3, 2026 and subject to change.
Credit card score 75 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 11.65%APRas low as
Terms
Interest Rate as low as 11.65% APR.
Credit card score 75 · Carrot Score 79
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