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 1291–1305 of 2,142 nationwide · median 10.90% APR
- 11.65%APRas low as · up to 22.65%
11.65% APR, up to 22.65%
Terms
Standard variable APR for purchases, balance transfers, and cash advances. Cash advance fee / balance transfer fee: 3% of advance amount ($10 minimum) in CA and ID; 2% of advance amount ($2 minimum) in TX. No annual fee or foreign transaction fee.
Credit card score 75 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 11.65%APRas low as · up to 21.25%
11.65% APR, up to 21.25%
Terms
Variable APR based on credit qualification and varies with the market based on the Prime Rate. No annual fee.
Credit card score 75 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 11.70%APRas low as
Terms
Best Rate may vary based on personal credit history and other factors.
Credit card score 75 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 11.70%APRas low as · up to 18.00%
11.70% APR, up to 18.00%
Terms
After the promotional period, the cardholder's purchase APR will default to the regular non-promotion variable APR of Prime rate + a margin (disclosed at account opening). Current Prime rate is 7.00%. Maximum rate is 18%. Variable Rate APR as low as 11.70%. Subject to credit approval.
Credit card score 75 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 18.00%
11.74% APR, up to 18.00%
Terms
Rate formula based on WSJ Prime + 3.49% to WSJ Prime + 12.49%; credit limit up to $20,000
Credit card score 75 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Variable APR based on Prime Rate index plus margin. No annual fees. Visa Platinum requires a $6,000 minimum limit. Maximum APR of 18%.
Credit card score 75 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Purchases. Variable rate based on creditworthiness.
Credit card score 75 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
APR as low as 11.74% reported on rewards page rate table. Credit limits up to $20,000. No annual fee. Uses Managed Prime Pricing for purchases based on Prime Rate index.
Credit card score 75 · Carrot Score 67
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 18.99%
11.74% APR, up to 18.99%
Terms
Annual Percentage Rate (APR) 11.74% to 18.99%. APR for Balance Transfers 11.74% to 18.99%; APR for Cash Advances 11.74% to 18.99%.
Credit card score 75 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 21.74%
11.74% APR, up to 21.74%
Terms
Variable APR. Subject to change at any time without notice.
Credit card score 75 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Rates starting at 11.74% APR. No annual fee.
Credit card score 75 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 22.74%
11.74% APR, up to 22.74%
Terms
Standard variable purchase, balance transfer, and cash advance APR is 11.74% - 22.74%, based on creditworthiness.
Credit card score 75 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 17.99%
11.74% APR, up to 17.99%
Terms
Variable APR based on Prime Rate. Rate determined at account opening based on creditworthiness.
Credit card score 75 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Standard variable rate as low as 11.74% APR (range 11.74% to 22.00% APR) based on Wall Street Journal Prime Rate plus margin based on creditworthiness. Monthly payment is 2% of balance or $25, whichever is greater.
Credit card score 75 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 15.74%
11.74% APR, up to 15.74%
Terms
Rate determined by credit score (11.74%, 12.74%, 14.24% or 15.74%). No balance transfer fee. 25-day grace period.
Credit card score 75 · Carrot Score 89
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