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 1351–1365 of 2,142 nationwide · median 10.90% APR
- 11.90%APRas low as · up to 18.00%with conditions
11.90% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Standard variable APR from 11.90% to 18.00% based on WSJ Prime plus margin and creditworthiness. Applies to purchases, cash advances, and balance transfers. Stated rate reflects all available discounts.
Credit card score 73 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Rate after the introductory period for purchases and cash advances. Free balance transfers.
Credit card score 73 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 13.90%
11.90% APR, up to 13.90%
Terms
Variable APR for purchases, balance transfers, and cash advances: Prime + 4.90% to Prime + 6.90% based on creditworthiness. WSJ Prime adjusted last day of each month with a floor of 4%. Max APR 18%.
Credit card score 73 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Credit card score 73 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 11.90% APR (VAR) on purchases. Rates reflect all possible discounts. Rates and terms are subject to change without notice. All Rates are 'As Low As.' Your rate will be based on loan term and creditworthiness.
Credit card score 73 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Credit card score 73 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 13.90%
11.90% APR, up to 13.90%
Terms
Reverts after the introductory period to 11.90% APR or 13.90% APR as specified in Credit Card Agreement based on credit score.
Credit card score 73 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Monthly payment: 3% of balance, $15 minimum. Credit lines from $3,000 to $50,000. Rates effective as of 10/19/2026. Variable APR as low as 11.90%.
Credit card score 73 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - CrossRoads Community Federal Credit UnionCrossRoads Community MasterCard · No annual fee
Credit union
11.90%APRas low asTerms
Fixed rate; no annual card fee; no balance transfer fees
Credit card score 73 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Fixed-rate APR.
Credit card score 73 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Tier A: Beacon Score 700 and above. Debt/Income Ratio limit: 43%. Unsecured Debt Ratio limit: 40%. Maximum limit $10,000.00 (or up to $50,000 on deposit in special card security account).
Credit card score 73 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 18.24%
11.90% APR, up to 18.24%
Terms
Annual Percentage Rate (APR) for Purchases: 11.65%, 12.65%, 13.65%, 16.65%, or 17.99% depending on your credit history. Variable based on the Prime Rate. $0 annual fee. (Note: Comparison table on page p75 mentions 13.40% – 17.99%).
Credit card score 73 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Purchases APR: 11.9%. No Annual Fees.
Credit card score 73 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 18.00%
11.90% APR, up to 18.00%
Terms
Variable APR based on creditworthiness (Prime Rate + 4.9% to 12.9%, maximum APR 18.00%). Applies to purchases, balance transfers, and cash advances. No annual fee.
Credit card score 73 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 18.00%
11.90% APR, up to 18.00%
Terms
Fixed APR for purchases based on credit history. No annual fee. Global acceptance with no foreign transaction fee.
Credit card score 73 · Carrot Score 69
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?
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
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