Best Credit Card Rates & Offers (National) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Star Ratings
- Finance Calculators
Current competitive national credit card options include: Washington Business BankWashington Business Bank223 5th Ave Se, Olympia, WA, 98531A+5.0 ★Texas Ratio: 1.90%'s Visa Balance Transfers has an APR of 1.99%, StagePoint Federal Credit UnionStagePoint Federal Credit Union3905 E Grand Ave Ste 100, Laramie, WY, 82072A+5.0 ★Texas Ratio: 1.64%'s Visa Credit Cards has an APR of 1.99%, Gain Federal Credit UnionGain Federal Credit Union1800 W Magnolia Blvd, San Fernando, CA, 91506 1726A+5.0 ★Texas Ratio: 2.09%'s Platinum Rewards Mastercard has an APR of 1.99%, Steel Strong Community Federal Credit UnionSteel Strong Community Federal Credit Union6010 Mountain View Dr, West Mifflin, PA, 15122 2425A+5.0 ★Texas Ratio: 2.61%'s VISA Credit Card Rate has an APR of 1.99%, and Jersey Shore Federal Credit UnionJersey Shore Federal Credit UnionWilliam J Hughes Technical Ctr, Rio Grande, NJ, 08405A+5.0 ★Texas Ratio: 3.22%'s Credit Card has an APR of 1.99%. Credit card rates as of April 27, 2026 according to verified data from MonitorBankRates.
Whether you want to earn cash back on everyday purchases, rack up travel miles, or save on interest with a 0% intro APR balance transfer offer, comparing credit card rates from top-rated banks and credit unions can save you significantly over time.
We empower cardholders with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a card from a stable, highly-rated institution.
Credit card APRs reflect current market offers available to borrowers nationwide. Rates shown are typically “as low as” APRs for applicants with excellent credit. Your final approved rate will depend on your credit history, credit score, and income. Credit Card Rates Last Updated and Verified: April 27, 2026
Intro rate expires: June 2027; Regular APR: 10.45% - 22.45%; pay no balance transfer fee
As Low As; Intro rate expires: 12 months; Regular APR: 6.74% - 18%
Intro rate expires: six (6) billing cycles; Regular APR: 12.25% - 17.50%
Intro rate expires: For 12 months through May 31, 2026; Regular APR: 9.99%
Intro rate expires: 12 months; no annual or balance transfer fees.
Intro rate expires: 12 months
No additional details provided.
Intro rate expires: 12 months
Intro rate expires: 12 months; Regular APR: null
Intro rate expires: 12 months; Regular APR: 8.75% - 18.00%
Intro rate expires: 12 months; Regular APR: Contact for details
Balance Transfer Promo
Intro rate expires: Regular APR: ; Regular APR: N/A; plus earn a $250 bonus!
No additional details provided.
Intro rate expires: 1 year; Regular APR: 11.40% - 18% variable APR*
Intro rate expires: 6 months; Regular APR: 11.65%-17.99%
Intro rate expires: 12 months; Regular APR: 14.24% - 24.24%
Intro rate expires: 12 months; Regular APR: 12.24% - 20.24%
Intro rate expires: nine billing cycles; Regular APR: 12.90%
Intro rate expires: October 31, 2026; Regular APR: 9.9%
Intro rate expires: 12 Months
Intro rate expires: 12 Months; Regular APR: N/A
As Low As
Monthly Participation Fee - $10 applied to the card balance; Apply Now
12 month introductory APR*
$2,000 maximum
CASH BACK
Intro rate expires: 12 Billing Cycles; Regular APR: As Low As; 11.49%
Intro rate expires: 12 Billing Cycles; Regular APR: As Low As; 13.75%
Intro rate expires: 12 billing cycles; Regular APR: null
Intro rate expires: 6 months; Excellent rewards program; Regular APR: N/A
Intro rate expires: 6mo; Regular APR: 9.90% - 18.0%
Intro rate expires: 6 months; Regular APR: 9.90%
Intro rate expires: 12 months; Regular APR: 9.90%
Intro rate expires: 12 months; Regular APR: 9.9% - 19.9%
Intro rate expires: 6 mos.; Regular APR: 12.50% - 19.50%
Intro rate expires: 6 months; Regular APR: Prime +6.99%
Intro rate expires: 6 billing cycles; Regular APR: 14.90%.
Introductory; Same Low Rate for Purchases, Balance Transfers and Cash Advances; No Fee for Balance Transfers or Cash Advances.
Intro rate expires: 12 Months; Regular APR: 11.45% - 17.95%
Intro rate expires: 12 Months; Regular APR: 9.95% - 15.95%
Intro rate expires: Fixed Rate; Regular APR: Qualification is based on individual creditworthiness and our underwriting standards. Rates, terms and conditions are subject to change at any time without notice.
Intro rate expires: Low 2.99% APR* Introductory Rate; Regular APR: 12.92%*
Intro rate expires: 6 Month; Regular APR: Prime +1.00%*
Intro rate expires: 12 months; Regular APR: Great low rate
Intro rate expires: 12 Months; Regular APR: standard APR
For the LIFE of transactions made before 7/31/26
As Low As
Regular APR: 12.90% - 17.90%
Regular APR: 15.40% - 17.90%
Intro rate expires: 6 months; Regular APR: 2.99%
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: 6 months; Regular APR: 9.99%
Intro rate expires: 12 billing cycles from card open date; Regular APR: 10.9%; Balance transfer rate of 2.99% for 12 billing cycles from date of transfer. Fixed rate ARP.
Intro rate expires: 6 months; Regular APR: 13.50% - 24.00%
Intro rate expires: 6 months; Regular APR: 13.50% - 24.00%
Intro rate expires: 12 month; Regular APR: 11.15%
Intro rate expires:; Regular APR:
6-Mo. Intro Balance Transfer
Intro rate expires: 6 monthly billing cycles; Regular APR: your standard rate
Intro rate expires: 12 months; Regular APR: Unknown
Intro rate expires: no balance transfer fee*; Regular APR: null
Special Intro Rate*
Intro rate expires: 6 months; Regular APR: N/A
Intro rate expires: nine billing cycles; Regular APR: 13.75% - 14.75%
Intro rate expires: 12 months; Regular APR: 11.99% - 16.99%
Intro rate expires: 12 months; Regular APR: 14.99% - 16.99%
Intro APR for the first 12 months; Learn More
No additional details provided.
No additional details provided.
As Low As
Intro rate expires: 12 Months; Regular APR: Prime Rate + a margin. Margin disclosed at account opening. Current Prime Rate is 6.75%. Maximum rate is 18%.
Intro rate expires: 12 months on new purchases and balance transfers; Regular APR: Prime Rate + a margin. Margin disclosed at account opening. Current Prime Rate is 6.75%. Maximum rate is 18%.
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable
balance transfer; Intro rate expires: 6 months; Regular APR: null
Intro rate expires: 6 months; Regular APR: 13.65%
Intro rate expires: 6 billing cycles; Regular APR: 12.90%
Intro rate expires: 6 billing cycles; Regular APR: 14.90%
Intro rate expires: initial 6 months; Regular APR: 12.00% - 17.99%
Regular APR: 8.90%
Regular APR: 10.90%
Intro rate expires: 12-months; Regular APR: As low as 13.49%
As Low As
Intro rate expires: 12 months; Regular APR: Regular credit card rate.
As Low As
Intro rate expires: 12 Months
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.; (For Life of Balance Transfer)
Intro rate expires: 12 months; Regular APR: Based on creditworthiness
Intro rate expires: 12 months; *Annual Percentage Rate
Intro rate expires: 12 months
Intro rate expires: 90 days; Regular APR: 11.90%
Intro rate expires: 90 days; Regular APR: 8.50%
Intro rate expires: 90 days; Regular APR: 12.90%
Intro rate expires: 90 days; Regular APR: 9.50%
As Low As
Intro rate expires: First 6 Months; Regular APR: 12.75%
Intro rate expires: 12 months; Regular APR: 11.49%-18.00%
Intro rate expires: 12 months; Regular APR: 6.99%
Intro rate expires: 6 months; Regular APR: 12.50% - 23.00%
No additional details provided.
Intro rate expires: 9 months on Purchases and Balance Transfers; Regular APR: The applicant's individual credit score determines the actual rate offered.
Intro rate expires: nine billing cycles; Regular APR: 15.90% - 22.90%
Intro rate expires: first 12 months card is open; Regular APR: 15.51%
Intro Rate** + $3 Flat Fee Balance Transfer!
Intro rate expires: six (6) months; Regular APR: 8.90% - 17.90%
Intro rate expires: six (6) months; Regular APR: 10.90%
Introductory APR for 12 Months; Regular APR: highest prime rate plus a margin of 7.00 percentage points
No additional details provided.
Intro APR of 3.99%
VISA Credit Card
Introductory rate for the first six months; Regular APR: 7.99%
As Low As; Intro rate as low as 3.99% APR** for 12 months
As Low As; Starting At 3.99%* Intro Rate APR
Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
Intro rate expires: 6 months
$500 - $1,500
No additional details provided.
Regular APR: null
No additional details provided.
As Low As; Intro rate expires: 6 Months; Regular APR: 8.90%-18.00%
No additional details provided.
No additional details provided.
No additional details provided.
Intro rate expires: 12 Months; Regular APR: Subject to Approval
Intro rate expires: 6 month; Regular APR: 11.65%
No additional details provided.
As Low As
No additional details provided.
Intro rate expires: 6 months; Regular APR: 12.90%
No additional details provided.
Secure and Credit Builder Options Available; Great Introductory Rates
One-year balance transfer rate; No balance transfer fee; No annual fee
Regular APR: 4.95% - 17.90%
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Intro rate expires: 12 months; Regular APR: 15.50% - 26.00%
Intro rate expires: 12 months; Regular APR: 15.50% - 26.00%
As Low As; Intro rate expires: 12 months; Regular APR: 7.99% - 14.99%
Intro rate expires: 6 months; Regular APR: 13.99% - 36.00%
As Low As
Secured Visa secured by Credit Union shares.
No additional details provided.
No additional details provided.
As Low As
as low as
Intro rate expires: 6 months; Regular APR: 9.00%
Regular APR: 5.25%
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
No additional details provided.
As Low As; Regular APR: 5.9%
Balance transfer rate
No additional details provided.
Featured Rates
As Low As
Regular APR: 5.99% + WSJP for purchases and balance transfers
No additional details provided.
Intro rate expires: 1 year
No additional details provided.
Intro rate; Credit Card Payoff Calculator
Intro rate; Credit Card Payoff Calculator
As Low As; Annual Percentage Rate
Standard
No additional details provided.
As Low As
As Low As; Approval, credit limit, and actual rate offered based on overall creditworthiness factors.
No additional details provided.
Regular APR: 14.65%
Regular APR: 10.65%
No additional details provided.
No additional details provided.
Reduced rate of 6% on all debts incurred prior to your active status.
No additional details provided.
Intro rate expires: 6 months; Regular APR: 11.00%
As Low As; Rates range from 6.00% to 11.50%
As Low As
As Low As
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; APR* as low as
as low as
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
No additional details provided.
As Low As
as low as
No additional details provided.
Equals Prime Rate
Rates as low as
No additional details provided.
APR as low as 6.87%
No additional details provided.
purchase and cash advance APR
As low as
Intro rate expires: six (6) billing cycles; Regular APR: 12.25% - 17.50%
No additional details provided.
Intro rate expires: 12 months; Regular APR: 14.24% - 24.24%
Intro rate expires: 12 months; Regular APR: 12.24% - 20.24%
Intro rate expires: 12 Months; Regular APR: 11.45% - 17.95%
Intro rate expires: Low 2.99% APR* Introductory Rate; Regular APR: 12.92%*
Regular APR: 15.40% - 17.90%
Intro rate expires: 6 months; Regular APR: 13.50% - 24.00%
Intro rate expires: 6 months; Regular APR: 13.50% - 24.00%
Intro rate expires: 12 month; Regular APR: 11.15%
Intro rate expires:; Regular APR:
Intro rate expires: 12 months; Regular APR: 14.99% - 16.99%
Intro rate expires: 6 billing cycles; Regular APR: 14.90%
Regular APR: 10.90%
Intro rate expires: 12-months; Regular APR: As low as 13.49%
Intro rate expires: First 6 Months; Regular APR: 12.75%
Intro rate expires: 6 months; Regular APR: 12.50% - 23.00%
Introductory APR for 12 Months; Regular APR: highest prime rate plus a margin of 7.00 percentage points
Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Intro rate expires: 12 months; Regular APR: 15.50% - 26.00%
Intro rate expires: 12 months; Regular APR: 15.50% - 26.00%
Regular APR: 5.25%
No additional details provided.
Intro rate expires: June 2027; Regular APR: 10.45% - 22.45%; pay no balance transfer fee
Intro rate expires: 12 months
Intro rate expires: 12 months
12 month introductory APR*
Intro rate expires: 12 Months; Regular APR: standard APR
For the LIFE of transactions made before 7/31/26
As Low As
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: 6 monthly billing cycles; Regular APR: your standard rate
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.; (For Life of Balance Transfer)
As Low As; Intro rate as low as 3.99% APR** for 12 months
Intro rate expires: 6 months
No additional details provided.
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Intro rate expires: 12 months; Regular APR: 15.50% - 26.00%
Intro rate expires: 12 months; Regular APR: 15.50% - 26.00%
As Low As; Intro rate expires: 12 months; Regular APR: 7.99% - 14.99%
As Low As
Intro rate expires: 1 year
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: 12-months; Regular APR: As low as 13.49%
Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Regular APR: 5.99% + WSJP for purchases and balance transfers
National Credit Card Rate Trends
Weekly national average APRs — compiled from 8,500+ banks & credit unions, updated nightly.
Standard Credit Card rates held steady at 11.269% APR this week.
Cash Back Card rates rose 0.016 points this week to 13.161%, up from 13.145% last week.
Credit Card Rate Trends
Weekly average APRs. Hover to see exact rates for each week.
Frequently Asked Questions
Is it better to get a credit card from a bank or credit union?
What credit score do I need to qualify for a low-interest credit card?
What is a balance transfer credit card and how does it work?
What is the difference between a cash back and a travel rewards card?
Top National Credit Card APRs
- Washington Business Bank: 1.99% APR (Visa Balance Transfers)
- StagePoint Federal Credit Union: 1.99% APR (Visa Credit Cards)
- Gain Federal Credit Union: 1.99% APR (Platinum Rewards Mastercard)
- Steel Strong Community Federal Credit Union: 1.99% APR (VISA Credit Card Rate)
- Jersey Shore Federal Credit Union: 1.99% APR (Credit Card)
More Rates & Resources
Credit Card Calculators
