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 1381–1395 of 2,142 nationwide · median 10.90% APR
- 11.90%APRas low as
Terms
As low as rate. Standard APRs for purchases and balance transfers will apply and is subject to change. Earn 1% cash back up to $50 monthly ($600 annually) on eligible purchases. Subject to credit approval. Minimum and maximum credit limits apply.
Credit card score 73 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 23.90%
11.90% APR, up to 23.90%
Terms
Rates and financing are based on creditworthiness. No annual fee.
Credit card score 73 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Credit card score 73 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - Rochester & Monroe County Employees Federal Credit UnionVisa Credit Card · No annual fee
Credit union
11.90%APRas low asTerms
Fixed APR. Payment per $1,000 is $30.00. No-fee credit card.
Credit card score 73 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 14.00%
11.90% APR, up to 14.00%
Terms
FIXED rates based on credit worthiness. You will have a minimum of 25 days without a finance charge on new purchases if the total new balance is paid in full each month by the payment due date. Credit lines up to $20,000.
Credit card score 73 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Fixed rate.
Credit card score 73 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 17.90%
11.90% APR, up to 17.90%
Terms
Standard ongoing rate after the 6th billing cycle depending on creditworthiness.
Credit card score 73 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
25-day grace period for purchases. Rate applies to purchases, balance transfers, and cash advances. Subject to credit approval. No balance transfer fee, cash advance fee, over-the-limit fee, or late payment fee. Rewards program details excluded from rate conditions.
Credit card score 73 · Carrot Score 80
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. No annual fee.
Credit card score 73 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Variable ongoing rate after the introductory period. Subject to approval.
Credit card score 73 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - Spencerport Federal Credit UnionVisa Platinum Preferred with Score Card Points · No annual fee
Credit union
11.90%APRas low asTerms
Fixed rate of interest; 25-day grace period for purchases; no balance transfer or cash advance fees. Rates dependent upon credit approval.
Credit card score 73 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Fixed rate of 11.90% APR for purchases. 25-day grace period. Minimum interest charge is $1.00.
Credit card score 73 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
As low as 11.90% APR. Subject to credit approval.
Credit card score 73 · Carrot Score 85
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
Standard purchase APR based on creditworthiness. Variable rate. Rate valid as of October 1, 2026.
Credit card score 73 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Rates as low as 11.90%; No Balance transfer fees
Credit card score 73 · Carrot Score 77
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
- Quorum Federal Credit UnionCredit union
- Popular DirectBank