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 1336–1350 of 2,142 nationwide · median 10.90% APR
- 11.75%APRas low as · up to 19.75%
11.75% APR, up to 19.75%
Terms
After that, the variable APR will be 11.75% - 19.75%, based on your creditworthiness.
Credit card score 75 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as
Terms
Variable rate adjusted quarterly based on Prime; rates based on the Prime Rate of 10/01/2026. All loans subject to credit approval and granted based on individual creditworthiness, ability to repay, and credit score.
Credit card score 75 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as · up to 20.75%
11.75% APR, up to 20.75%
Terms
Credit limit up to $20,000 ($500 minimum credit limit). No balance transfer fee; no application fee.
Credit card score 75 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as · up to 20.75%
11.75% APR, up to 20.75%
Terms
Variable rate based on credit score.
Credit card score 75 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
$25 annual fee waived with a United Bank deposit account. 25-day grace period. Applies to purchases, cash advances and balance transfers. Subject to credit approval.
Credit card score 71 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.80%APRas low as
Terms
Rate based on creditworthiness.
Credit card score 74 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.80%APRas low as
Terms
Fixed rate. Minimum $5,000 credit limit. No annual fee, no balance transfer fee, no cash advance fee or higher rate for cash advances.
Credit card score 74 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.80%APRas low as
Terms
Non-variable rate as low as 11.80% APR; rates based on creditworthiness. Rate as of 8/31/26.
Credit card score 74 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 11.80%APRas low as
Terms
Rate is dependent on qualification and approval; rate may be higher based on credit history and term. Maximum limit $50,000. Minimum payment is 3% of balance. No balance transfer fee, no cash advance fee; cash advances share the same rate as purchases.
Credit card score 74 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 11.88%APRas low as · up to 15.88%
11.88% APR, up to 15.88%
Terms
Standard variable APR for purchases, balance transfers, and cash advances based on Prime Rate and creditworthiness.
Credit card score 74 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 11.88%APRas low as
Terms
No annual fee, balance transfer fee, or cash advance fee. No minimum finance charge. Rates subject to change and cancellation at anytime.
Credit card score 74 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 11.88%APRas low as
Terms
Fixed low interest rate. Balance transfer programs and specials are available during the year.
Credit card score 74 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Credit card score 73 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
No annual, balance transfer, cash advance or late fees. Minimum payment of $15 or 3% of balance. Same low retail purchase rate also applies to cash advances and balance transfers.
Credit card score 73 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Fixed rate. No balance transfer fee. Qualified credit. Restrictions may apply.
Credit card score 73 · Carrot Score 86
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