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 1306–1320 of 2,142 nationwide · median 10.90% APR
- 11.74%APRas low as · up to 18.25%
11.74% APR, up to 18.25%
Terms
When you open your account, based on your creditworthiness. Variable based on Prime Rate.
Credit card score 75 · Carrot Score 61
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
Variable annual percentage rate between 11.74% to 18.00% based on creditworthiness. No annual or balance transfer fees.
Credit card score 75 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 16.74%
11.74% APR, up to 16.74%
Terms
Then, a variable APR of currently 11.74% – 16.74% depending on creditworthiness after the introductory period.
Credit card score 75 · Carrot Score 84
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
APR applies to purchases, balance transfers and cash advances. 25 days grace period. $0 balance transfer fee. $0 cash advance fee. Minimum payment is greater of 2.5% or $10.
Credit card score 75 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Variable APR. Prime Rate plus 4.74% currently 11.74% when you open your account based on your creditworthiness. The APR will vary with the market based on the Prime Rate. No annual fee.
Credit card score 75 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Variable Visa Prime +4.74%. As of 1/1/26, Credit Card Prime Rate is 6.75%. Rate may vary depending on credit score. No balance transfer fee.
Credit card score 75 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Actual rate is determined by creditworthiness. Low variable rate, cash back on every dollar you spend. Variable APR based on Prime Rate.
Credit card score 75 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 19.49%
11.74% APR, up to 19.49%
Terms
Standard variable APR; determined at account opening based on creditworthiness, then varies with the Prime Rate. No annual fee. Transaction type for this APR is not specified.
Credit card score 75 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Variable APR based on creditworthiness. Rate example calculated as prime rate of 3.25% plus index margin (as low as 4.74%). Credit line up to $20,000.
Credit card score 75 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 17.74%
11.74% APR, up to 17.74%
Terms
Based on creditworthiness. Variable APR based on Wall Street Journal Prime Rate.
Credit card score 75 · Carrot Score 76
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 on purchases based on creditworthiness.
Credit card score 75
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 21.75%
11.74% APR, up to 21.75%
Terms
As low as 12.65% APR. Variable rate based on Prime Rate plus margin ranging from 4.74% to 14.75%; maximum rate 18.00%.
Credit card score 75 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Opening APR based on creditworthiness; thereafter Prime plus margin. Stated APR applies to purchases, cash advances, and balance transfers.
Credit card score 75 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 18.74%
11.74% APR, up to 18.74%
Terms
Standard variable APR for purchases, balance transfers, and cash advances. Rates vary based on Prime Rate and creditworthiness. No balance transfer fee. Cash advance fee: greater of $10 or 3%.
Credit card score 75 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Credit score 735+ (Grade A+). Rate is Prime + 4.74% APR (Index Prime=6.75% APR), not to exceed 17.99%. Credit limit min $1,000, max $20,000.
Credit card score 75 · Carrot Score 85
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