Best Credit Card Rates & Offers (National) - July 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: Diamond Credit UnionDiamond Credit Union6th Avenue and Spruce St, Wyomissing, PA, 19611A+5.0 ★Texas Ratio: 1.69%'s Visa Diamond Credit Card has an APR of 1.99%, Excite Credit UnionExcite Credit Union848A Blossom Hill Rd, Wilmington, NC, 95125A5.0 ★Texas Ratio: 10.89%'s Credit Cards has an APR of 1.99%, Guardian Credit Union Montgomery, ALGuardian Credit Union Montgomery, AL9411 AL Highway 22, Wetumpka, AL, 36750 3264A5.0 ★Texas Ratio: 10.26%'s Secure Credit Card has an APR of 1.99%, Jersey Shore Federal Credit UnionJersey Shore Federal Credit UnionWilliam J Hughes Technical Ctr, Rio Grande, NJ, 08405A+5.0 ★Texas Ratio: 3.16%'s Credit Card has an APR of 1.99%, and Ocean Financial Federal Credit UnionOcean Financial Federal Credit Union45 Atlantic Ave, Seaford, NY, 11783A5.0 ★Texas Ratio: 11.81%'s Visa Introductory has an APR of 1.99%. Credit card rates as of June 29, 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: June 29, 2026
Intro rate expires: 1 year; Regular APR: 11.40% - 18% variable APR*
Intro rate expires: 6 months; Regular APR: Varies
Monthly Participation Fee - $10 applied to the card balance
Intro rate expires: 12 months; Regular APR: No annual or balance transfer fees.
Intro rate expires: 6 months; Regular APR: 9.49% - 16.49%
Intro rate on Purchases for 180 Days. Balance Transfers - Intro 1.99% APR for 12 Months! Earn 10,000 Bonus Points for Spending $1,500 in First 90 days! No Annual Fee! Convert Points to Cash Back & More High Credit Limits Available Get Purchase Security Benefits Provides Auto Rental Insurance
Intro rate expires: 12 Months; Regular APR: The APR may vary monthly based on the Prime Rate.
Intro rate; Regular APR:
Intro rate expires: 12 months; Regular APR: 6.74% APR - 18% APR
Introductory APR is valid for a period of six (6) billing cycles. Introductory rate is for purchases only. When the discounted period expires, the APR on existing and subsequent balances will increase to the new non-discounted rate on the first day of the following billing cycle. Regular APR: 12.25% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The APR for Cash Advances and Balance Transfers will be 12.25% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The minimum credit limit is $5,000 and the maximum is $25,000. Maximum rate is 17.50% APR. Refer to the "Mastercard Application and Solicitation Disclosure" and the "Mastercard Agreement" for more information. No prepayment penalty. Certain restrictions apply. Subject to credit approval. Offer may end at any time.
Intro rate expires: 12 billing cycles; Regular APR: 1.99%
introductory
Introductory Variable APR for purchases; Regular APR: 11.65%-17.99%
Intro rate expires: 12 months; Regular APR: 7.99% - 17.99%. This offer is based on credit approval and the actual APR may vary between 5.99% and 9.99% depending on your credit score. No balance transfer fee applies. After 12 months the APR reverts back to your standard purchase rate which varies between 7.99% - 17.99% depending on your Visa Account Terms. Balance transfers are subject to available credit and this special offer expires on 6/20/2026. Please ask Credit Union for full details.
Intro rate expires: 12 months; Regular APR: N/A
No additional details provided.
Intro rate expires: 6 months; Regular APR: 9.90%; no fee balance transfers to the card
Intro rate expires: 6 months; Regular APR: Contact us for an application!; Excellent rewards program.
Intro rate expires: 6 months; Regular APR: 9.90% to 18.0%
Regular APR: 14.90% APR *This APR will vary with the market based on the Prime Rate.
Introductory. Same Low Rate for Purchases, Balance Transfers and Cash Advances. No Fee for Balance Transfers or Cash Advances.
Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Regular APR: 11.45% - 17.95%
Regular APR: 9.95% - 15.95%
Intro rate fixed promo rate for purchases and balance transfers; Regular APR: X.XX%
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Special Intro Rate. The Annual Percentage Rate (APR) for all loans is based on individual credit score and is subject to credit approval. Not all borrowers will qualify for the lowest rate. All rates are subject to change without notice.
Intro rate expires: 6 months; Regular APR: See if you're prequalified without a credit check.; *APR = Annual Percentage Rate. First City Credit Union is an Equal Housing Lender.
Intro rate expires: 6 months; Regular APR: See if you're prequalified without a credit check.
6-month Intro APR*
Intro rate expires: 6 monthly billing cycles; Starting on the seventh month, the promotional rate will convert to your standard rate. Not eligible for CU Rewards Points and may not be used to pay other Arbor Financial accounts. Promotion, rate, terms and conditions subject to change without notice.
For the LIFE of transactions made before 7/31/26
Intro rate for the first 12 months; Regular APR:
Intro rate expires: 12 billing cycles; Regular APR: 14.96%; Installment Payments Rate: 5.99%
Intro rate expires: 12 billing cycles; Regular APR: Base - 13.96%, Tier 1 - 16.96%, Tier 2 - 18.00%; Installment Payments Rate: Base - 5.99%, Tier 1 - 7.99%, Tier 2 - 9.99%
Intro rate expires: 6 billing cycles; Regular APR: 11.9% for purchases and cash advances. Free balance transfers with no annual or monthly fees.
Balance Transfers AND Purchases; Intro rate expires: 07/31/2026
Promotional rate valid on qualifying balance transfers for 12 months from the date of transfer. Rate reverts to standard APR after the promotional period. Term and conditions apply.
Introductory Rate; Regular APR: 11.49% to 18.00%
Intro rate expires: six billing cycles; Regular APR: 9.99%.**
Intro rate expires: 12 months; Regular APR: 11.99% - 16.99%
Intro rate expires: 12 months; Regular APR: 14.99% - 16.99%
Regular APR: 3.00%
3% Cash Back on purchases
As Low As; Excellent Rates
As Low As; Intro rate expires: N/A; Regular APR: N/A
As Low As; Intro rate expires: N/A; Regular APR: N/A
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+
Regular APR: 12.00% - 17.99%
No additional details provided.
Intro rate expires: 12 months; Regular APR: Index + 7.00%; No Annual Fee
As Low As
Annual Percentage Rates as low as...
Limited-Time Offer. Intro rate for 12 months. Regular APR: Varies.
Intro rate expires: 12 months; Regular APR: 9.99% - 12.99%
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Intro Rate for 12 months / Disclosure
As Low As; * APR = Annual Percentage Rate. Your actual APR and loan terms depend on credit approval and may vary based on creditworthiness, loan amount, and collateral type, value, age, and condition, if applicable. All rates are current as of today but are subject to change without notice
Intro rate expires: 6 months; Regular APR: 12.75%
Intro rate for 12 months; Regular APR: 6.99%
Available October 1st, 2025, through December 1st, 2025. Transfer a balance from an existing high rate credit card.
Intro rate expires: 12 months; Regular APR: reverts to regular credit card rate
No Annual Fee or Balance Transfer Fee; Intro APR
Intro rate expires: 12 months; Regular APR: **
As Low As; Regular APR: 10.99%
Intro rate expires: 6 months
As low as 4.24% APR*
from; Approval based on credit worthiness. Membership eligibility required.
Intro rate expires: 12 months; Regular APR: 12.65% - 18.00%
As Low As; Classic Visa
Determined by account funds
As Low As; Excellent Rates
No additional details provided.
As Low As; Regular APR: 4.85%
Rates as low as 4.9% APR*
No additional details provided.
Intro rate expires: 12 months; Regular APR: Subject to Approval
Secure and Credit Builder Options Available Great Introductory Rates
Intro rate expires: 1 year; Regular APR: 8.9%; No balance transfer fee; No annual fee
As Low As
Intro rate expires: 6 months; Regular APR: 13.99% - 36.00%
No Annual Fee
No Annual Fee
Intro rate expires: 12 months; Regular APR: 7.99% - 14.99%. *APR = Annual Percentage Rate. Annual Percentage Rates current as of date listed above and are subject to change. Rates may vary based on credit history, term, and collateral.
Promotional APR
$5,000 - $30,000; Intro rate expires: 90 days; Regular APR: Prime Rate + 6.65%; The Prime Rate as of 05/31/2026 is 6.75%. The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program.
Intro rate expires: 90 days; Regular APR: Prime Rate + 11.75%; The Prime Rate as of 05/31/2026 is 6.75%. The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program.
$25.00 Annual Fee
No additional details provided.
No additional details provided.
No additional details provided.
APR* as low as:
No Balance Transfer Fee; As Low As; view disclosures
Introductory Rate. Regular APR: 12.99%.
Intro rate expires: 6 billing cycles; Regular APR: 11.90% APR or 13.90% APR as specified in your Credit Card Agreement. Your individual rate (APR) will be determined based on your credit score. Subject to credit approval. The method to compute the balance for purchases is average daily balance. Additional limitations, terms and conditions apply, see Credit Card Disclosure.
Intro rate expires: 6 billing cycles; Regular APR: 11.90% APR or 13.90% APR as specified in your Credit Card Agreement. Your individual rate (APR) will be determined based on your credit score. Subject to credit approval. The method to compute the balance for purchases is average daily balance. Additional limitations, terms and conditions apply, see Credit Card Disclosure.
RATES AS LOW AS 5.99%
Intro Rate; Regular APR: 14.65% APR* Fixed Rate
Intro Rate; Regular APR: 10.65% APR* Fixed Rate
As Low As; Promotional rate from June 1st through August 31st, 2026.
No additional details provided.
No additional details provided.
+2.00% above Share Savings Dividend Rate*
No additional details provided.
As Low As; Rates range from 6.00% to 11.50%
No additional details provided.
As Low As; APR*
as low as
Transaction must post between 4/1/26 - 6/30/26. Will Revert to normal rate 7/1/2027.
Intro rate expires: 6 months; Regular APR: 9.49%
No additional details provided.
As Low As; Regular APR: 6.69%
As low as
As Low As; Variable Rate
Equals Prime Rate. Prime rate is 6.75% as of December 11, 2025. This is a variable rate product.
As low as; *
As Low As
No Annual Fee
No Annual Fee
No additional details provided.
Balance Transfer APR: 6.90%
As Low As
No Annual Fee; Rate based on creditworthiness and may be higher. Qualified purchases do not include cash advances, convenience checks, returns or balance transfers.
No additional details provided.
As Low As; Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
No additional details provided.
purchase and cash advance APR
No additional details provided.
APR for purchases 6.90% to 14.50% APR for balance transfers 6.90% to 14.50% APR for cash advances 6.90% to 14.50%
No additional details provided.
As low as
No additional details provided.
No additional details provided.
As Low As
Regular APR: 8.9%
Intro rate expires: 6 months; Regular APR: Rate based on score at application. After 6 months the balance and new purchase rate will convert to the rate, based on their score at application.
RATES AS LOW AS
No additional details provided.
6.9% Fixed APR*
No additional details provided.
No additional details provided.
As Low As; GREAT RATES EVERY DAY! LEARN MORE
No additional details provided.
As low as*
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
No annual fee, up to 25 day grace period.
No additional details provided.
As low as
As Low As
7.17% APR for life on purchases and balance transfers made in the first 90 days*; No annual, cash advance, or balance transfer fees; Partnership supports Dolly Parton's Imagination Library
No additional details provided.
May qualify for up to two times gross monthly income.
As Low As
Premium Rewards. Signature Service.
Fixed Rate No Annual Fee No Cash Advance Fee Accepted anywhere with Visa logo Normal credit granting guidelines apply. Rates are based on credit score
No additional details provided.
As Low As
($7,500 Maximum); NO Annual Fee; NO Minimum Finance Charge; 25 Day Grace Period; Late Payment Fee: $10.00; Over the Limit Fee: $10.00
As Low As*
No additional details provided.
As Low As; *
Purchases
No additional details provided.
No additional details provided.
As Low As; An unsecured business line of credit with a 8.50% APR is based on your credit score and line of credit between $5,000 and $250,000. All unsecured business lines of credit require a Personal Guaranty. Unsecured line of credit accounts have a $100 annual fee.
As Low As; Rates as low as 7.90% APR
Credit Card rates as low as 7.90% APR*
Intro rate expires: 4/16/26 - 7/15/26; $200 cash back* with $3,000 spend; Regular APR: Varies
No additional details provided.
No Annual Fees, No Balance Transfer Fees, No Cash Advance Fees
No additional details provided.
As Low As
No additional details provided.
A+ APR*; A APR*
Rates below are based on a credit score of 730 or higher. Lower rates may apply for terms less than 60 months.
As Low As
As Low As; Payment: 3% of balance
As Low As; *
As Low As; Regular APR: 9.90%
No additional details provided.
As Low As
Designed for limited/no credit or credit rebuilding.
determined by credit worthiness
As Low As
No annual fee; No transfer fee; No surprises; Starting at 7.90%
FIXED
No annual fee, 5 day grace period
As Low As
As Low As
Funds will be held in share account
Best possible rates displayed.
Regular APR: 7.90% APR*
No additional details provided.
Actual rate will be determined by your Experian FICO 2 Credit Score.
No additional details provided.
3% of your balance with a minimum dollar amount of $20.
Intro rate on Purchases for 180 Days. Balance Transfers - Intro 1.99% APR for 12 Months! Earn 10,000 Bonus Points for Spending $1,500 in First 90 days! No Annual Fee! Convert Points to Cash Back & More High Credit Limits Available Get Purchase Security Benefits Provides Auto Rental Insurance
Intro rate expires: 12 Months; Regular APR: The APR may vary monthly based on the Prime Rate.
Introductory APR is valid for a period of six (6) billing cycles. Introductory rate is for purchases only. When the discounted period expires, the APR on existing and subsequent balances will increase to the new non-discounted rate on the first day of the following billing cycle. Regular APR: 12.25% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The APR for Cash Advances and Balance Transfers will be 12.25% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The minimum credit limit is $5,000 and the maximum is $25,000. Maximum rate is 17.50% APR. Refer to the "Mastercard Application and Solicitation Disclosure" and the "Mastercard Agreement" for more information. No prepayment penalty. Certain restrictions apply. Subject to credit approval. Offer may end at any time.
Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Regular APR: 11.45% - 17.95%
Intro rate expires: 12 billing cycles; Regular APR: 14.96%; Installment Payments Rate: 5.99%
Intro rate expires: 12 billing cycles; Regular APR: Base - 13.96%, Tier 1 - 16.96%, Tier 2 - 18.00%; Installment Payments Rate: Base - 5.99%, Tier 1 - 7.99%, Tier 2 - 9.99%
Balance Transfers AND Purchases; Intro rate expires: 07/31/2026
Intro rate expires: 12 months; Regular APR: 14.99% - 16.99%
3% Cash Back on purchases
As Low As; Intro rate expires: N/A; Regular APR: N/A
Intro rate expires: 12 months; Regular APR: Index + 7.00%; No Annual Fee
Intro rate expires: 6 months; Regular APR: 12.75%
Determined by account funds
No additional details provided.
As Low As; APR*
No additional details provided.
No additional details provided.
determined by credit worthiness
Intro rate expires: 12 Months; Regular APR: The APR may vary monthly based on the Prime Rate.
introductory
Intro rate expires: 12 months; Regular APR: 7.99% - 17.99%. This offer is based on credit approval and the actual APR may vary between 5.99% and 9.99% depending on your credit score. No balance transfer fee applies. After 12 months the APR reverts back to your standard purchase rate which varies between 7.99% - 17.99% depending on your Visa Account Terms. Balance transfers are subject to available credit and this special offer expires on 6/20/2026. Please ask Credit Union for full details.
No additional details provided.
Intro rate expires: 6 monthly billing cycles; Starting on the seventh month, the promotional rate will convert to your standard rate. Not eligible for CU Rewards Points and may not be used to pay other Arbor Financial accounts. Promotion, rate, terms and conditions subject to change without notice.
For the LIFE of transactions made before 7/31/26
Balance Transfers AND Purchases; Intro rate expires: 07/31/2026
Promotional rate valid on qualifying balance transfers for 12 months from the date of transfer. Rate reverts to standard APR after the promotional period. Term and conditions apply.
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Available October 1st, 2025, through December 1st, 2025. Transfer a balance from an existing high rate credit card.
Intro rate expires: 12 months; Regular APR: **
Intro rate expires: 6 months
Intro rate expires: 1 year; Regular APR: 8.9%; No balance transfer fee; No annual fee
Intro rate expires: 12 months; Regular APR: 7.99% - 14.99%. *APR = Annual Percentage Rate. Annual Percentage Rates current as of date listed above and are subject to change. Rates may vary based on credit history, term, and collateral.
As Low As
($7,500 Maximum); NO Annual Fee; NO Minimum Finance Charge; 25 Day Grace Period; Late Payment Fee: $10.00; Over the Limit Fee: $10.00
As Low As; An unsecured business line of credit with a 8.50% APR is based on your credit score and line of credit between $5,000 and $250,000. All unsecured business lines of credit require a Personal Guaranty. Unsecured line of credit accounts have a $100 annual fee.
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 11.274% APR this week.
Cash Back Card rates held steady at 13.326% APR this week.
Credit Card Rate Trends
Weekly average APRs. Hover to see exact rates for each week.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide credit card rate tables are free for consumers to use, and we do not receive payment from any issuer to be included or to be ranked in any particular order. Listings are based solely on the rates each issuer publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Credit Card Rate Data: We aggregate credit card rates and terms nationwide directly from the official websites of banks, credit unions, and card issuers using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the issuers’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Comprehensive National Coverage: Our systems constantly monitor the market to provide a complete picture of available credit card products across the country. We feature a comprehensive mix of issuers — from neighborhood credit unions and regional banks to large national card issuers available to applicants in all 50 states.
Regularly Updated APRs: Our rate updaters verify and update credit card rates regularly. Because APRs and promotional offers can change based on market conditions and issuer policies, every product features its own “last updated” date for full transparency. Credit card APRs shown typically represent the lowest available rate for applicants with excellent credit; your actual rate will depend on your credit history, credit score, income, and other underwriting factors.
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
- Diamond Credit Union: 1.99% APR (Visa Diamond Credit Card)
- Excite Credit Union: 1.99% APR (Credit Cards)
- Guardian Credit Union Montgomery, AL: 1.99% APR (Secure Credit Card)
- Jersey Shore Federal Credit Union: 1.99% APR (Credit Card)
- Ocean Financial Federal Credit Union: 1.99% APR (Visa Introductory)
Credit Card Calculators
