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 1456–1470 of 2,142 nationwide · median 10.90% APR
- 11.99%APRas low as
Terms
25-day courtesy period on purchases; 11.99% APR applies to balances carried beyond 25 days. Revolving terms.
Credit card score 72 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Rates as low as 11.74% APR. Best rate quoted; rate may vary based on credit qualifications. Variable rate based on Prime Rate. No annual fee, balance transfer fee, cash advance fee, or over limit fee.
Credit card score 72 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Fixed Rate. Same low rate for both advances and purchases. Fee-free balance transfers. Subject to credit approval. Actual credit limit is based on creditworthiness.
Credit card score 72 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
The Best APR rate shown above is for well qualified borrowers and will vary based on credit history and other factors. Interest rates may change at any time and are subject to credit approval and underwriting criteria. No penalty for early payoff. Experience cash back rewards with our credit card.
Credit card score 72 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Credit card score 72 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Non-variable rate. APR as low as 11.99% (revolving term). Rates vary and are dependent on individual credit history. No monthly, annual, or cash advance fees.
Credit card score 72 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
APR shown is 'as low as', based on creditworthiness at account opening, and will vary with the market based on the Prime Rate.
Credit card score 67 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 16.99%
11.99% APR, up to 16.99%
Terms
Regular purchase APR is 11.99% to 16.99% (starting at 11.99% fixed rate) based on creditworthiness. Annual fee is $50, waived for the first year, or no annual fee ever for members with FREE Smart Checking / Smart Account relationship. Monthly payments minimum 1.5% of balance.
Credit card score 67 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 17.99%
12.00% APR, up to 17.99%
Terms
Current undiscounted variable APR for purchases based on creditworthiness. Best rate of 12.00% APR.
Credit card score 72 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 18.00%
12.00% APR, up to 18.00%
Terms
APR applies to purchases, cash advances, and balance transfers. APR is based upon credit history. Subject to credit approval. No annual fee.
Credit card score 72 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
No balance transfer fee. Subject to creditworthiness and qualifications.
Credit card score 72 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 19.00%
12.00% APR, up to 19.00%
Terms
Variable APR for purchases and cash advances. After the first six months, APR is based on Prime Rate (Index) plus a margin of 5.00% to 12.00% (currently 12.00% – 18.00%). APR will never be greater than 18.00%.
Credit card score 72 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Rates as low as 12.00% APR. 25-day grace period on purchases. No annual fee.
Credit card score 72 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 18.00%
12.00% APR, up to 18.00%
Credit card score 72 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Platinum tier. Annual fee waived / no annual fee. Variable rate as low as 12.00%.
Credit card score 72 · Carrot Score 84
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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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank