Best Credit Card Rates & Offers - September 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 credit card options include: 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%, StagePoint Federal Credit UnionStagePoint Federal Credit Union3905 E Grand Ave Ste 100, Laramie, WY, 82072A+5.0 ★Texas Ratio: 1.54%'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: 2.03%'s Platinum Rewards Mastercard has an APR of 1.99%, West Aircomm Federal Credit UnionWest Aircomm Federal Credit Union989 Beaver Grade Rd, Moon Twp, PA, 16037A5.0 ★Texas Ratio: 11.51%'s Visa Platinum Credit Card has an APR of 1.99%, and VAPR Federal Credit UnionVAPR Federal Credit UnionStreet 54, San Juan, PR, 00969A+5.0 ★Texas Ratio: 0.81%'s Mastercard has an APR of 1.99%. Credit card rates as of August 31, 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. 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: August 31, 2026
Monthly Participation Fee - $10 applied to the card balance
Intro rate expires: 12 months; Regular APR: 6.74% APR and 18% APR
Intro rate expires: 6 billing cycles; Regular APR: 12.25% - 17.50%
Intro rate expires: 12 billing cycles; Regular APR: 1.99% - 29.99%
Oferta en cuentas nuevas, primeros seis meses, valida hasta el 30/9/26
Introductory rate is effective for the first six billing cycles for purchases and balance transfers. After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 10.49% to 17.99%*. This is a variable rate. Rewards: . Annual Fee: $0
Introductory rate is effective for the first six billing cycles for purchases and balance transfers. After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 10.49% to 17.99%*. This is a variable rate. Rewards: . Annual Fee: $0
Introductory rate is effective for the first six billing cycles for purchases and balance transfers. After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 14.74% to 17.99%*. This is a variable rate. Rewards: 1 point per $1 spent. Annual Fee: $0
Introductory rate for balance transfers
Intro rate expires: 12 months; Regular APR: N/A
As low as**; APR accurate as of 3/20/2023 and is subject to change without notice. 1.99% Intro APR for is a promotional term for qualified applicants only. Some applicants may be offered credit at a higher APR and different terms. After six (6) statement cycles, Intro APR adjusts to Non-Variable APR, with a minimum of 9.49% and a maximum of 16.49%, based on your creditworthiness. Free Visa Rewards are from UChoose Rewards, free registration required to redeem points. Member conditions apply. Share Account with minimum $5 balance required.
Intro rate expires: 12 months; Regular APR: Prime +10.5% interest rate with a cap of 18%.
Intro rate expires: 12 months; Regular APR: Prime Rate + 5.74% - 15.74%
Intro rate expires: 180 days; Regular APR: 19.99% - 29.99%. 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
Credit Cards as low as 1.99 % APR
Intro rate expires: 6 months; Regular APR: 13.90%
Intro rate expires: 6 months; Regular APR: 18.00% (variable, based on WSJ Prime Rate); Balance transfer fee will be at $30.00 or 3.00% of the amount of each balance transfer, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States.
Intro rate: 1.99% intro APR3
Introductory APR for the first year; thereafter, 11.40% to 18.00% variable APR. Earn 1.5% Cashback every $1 spent. Spend $1,000 in the first 90 days and earn 15,000 points = $150.
Balance Transfer Special; Intro rate expires: 12 months; Regular APR: 7.99% - 17.99%
Intro rate expires: 12 months; Regular APR: 7.99% - 17.99% depending on your Visa Account Terms. Special offer valid through 6/30/26. No balance transfer fee. Balance transfers are subject to available credit.
Intro rate expires: 18 billing cycles; Regular APR: Prime Rate plus a margin which is determined by your credit worthiness. Rate is subject to change without notice. All approvals are subject to normal underwriting guidelines.
Intro Rate
Bring Us Your Balance
As Low As; Rate subject to change based on market conditions and borrower eligibility. Qualifying LESFCU criteria applies for all loans. Maximum qualifying term may vary based on year of collateral and other criteria. Certain restrictions and other qualifications may exist. Membership eligibility is required. Check with a LESFCU representative for full details.
Intro rate expires: 6 months; Regular APR: Prime +6.99%
Introductory rate; Excellent rewards program
Intro rate expires: 6 billing cycles; Regular APR: 14.90% APR *This APR will vary with the market based on the Prime Rate.
Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Intro rate expires: 6 months; Regular APR: Variable with the market based on the Prime Rate, based on your credit score
Regular APR: 11.45% - 17.95%
Intro rate expires: 12 months; Regular APR: 9.95% to 15.95% APR. Cash advance rates: 12.00% to 18.00% APR. Balance transfers and purchases will accrue interest at your approved Intro rate for twelve billing cycles from the Visa open date. Any existing balances on ILWU Credit Union loan and/or credit card accounts are not eligible for the Introductory APR for balance transfers. Rates subject to change. See Visa Application & Solicitation Disclosure for complete details.
Regular APR: 9.95% - 15.95%
Intro rate for purchases and balance transfers made within the first 60 days of account opening. After 60 days, APR defaults to 11.49% - 17.99%. No annual fee. No foreign transaction fees.
Intro rate expires: 12 months; Regular APR: 14.96%; Installment Payments Rate: 5.99%
Intro rate expires: 12 months; Regular APR: 13.96% - 18.00%; Installment Payments Rate Base: 5.99%; Installment Payments Rate Tier 1: 7.99%; Installment Payments Rate Tier 2: 9.99%
Intro rate for the first 12 billing cycles. Installment Payments Rate 5.99%. Regular APR: 14.96%
Intro rate for 12 billing cycles. Installment Payments Rate Base - 5.99%, Tier 1 - 7.99%, Tier 2 - 9.99%. Regular APR: Base - 13.96%, Tier 1 - 16.96%, Tier 2 - 18.00%
Intro rate expires: 6 months; Regular APR: 7.99%-15.74%. Never any annual, cash advance, or balance transfer fees. Earn rewards on all of your purchases.
Regular APR: 13.49%; Intro rate expires: 6 months
Introductory rate for first 6 billing cycles; Regular APR: 11.75%
Introductory Rate
Introductory Fixed Rate; Regular APR: 12.40% - 18.00% VARIABLE RATE; Earn 1% Cash Back every year! Cash Back earned throughout the year will automatically be credited to your statement, monthly. For the first six months after opening, receive an additional 4% Cash Back based on the first $7,500 in monthly eligible net purchases.
Intro rate applies to transactions in the first 90 days.
Intro rate expires: 12 months; Regular APR: Prime Rate + 7.74% APR to 17.74% APR thereafter
Intro rate expires: 12 months; Regular APR: 11.15% VAPR
Intro rate expires: 6-Mo.; Regular APR: N/A
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: six billing cycles; Regular APR: 9.99%.**
Intro rate expires: 6 months
No additional details provided.
Introductory Rate. Fixed Rate. No Annual Fee. No Cash Advance Fee. Accepted anywhere with Visa logo. Qualification is based on individual creditworthiness and our underwriting standards. Rates, terms and conditions are subject to change at any time without notice.
Introductory Rate Fixed Rate No Annual Fee No Cash Advance Fee Accepted anywhere with Visa logo *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: 12 months; Regular APR: 12.92%*
Prime +1.00%*
Intro rate expires: 12 billing cycles; Regular APR: N/A; No balance transfer fees
Intro rate expires: 12 months; Regular APR: 10.9%**; Balance transfer rate of 2.99% for 12 billing cycles from date of transfer. Fixed rate APR.
no balance transfer fee*
Special Intro Rate*; Regular APR: Varies
No annual fees; No balance transfer fees; Reward points with every transaction - redeem for gift cards, merchandise, and travel; 24/7 fraud protection; 25-day interest-free grace period - take your time to pay for new purchases without paying interest for 25 days!; Travel accident insurance when you pay for travel with your card
Cash Advances
Double rewards from July through August, 3% APR cashback on everyday purchases when you use your HCU VISA Rewards card. Offer valid on new purchases made between 7/1/2026 and 8/31/2026. New purchases exclude balance transfers, cash advances, and fees. Cashback earned after month close. Eligibility and qualifying transactions subject to terms and conditions. Subject to credit approval. Annual Percentage Yield.
Intro rate expires: 6-month intro; Regular APR: 10.5%
Introductory APR*; Regular APR: 11.45%
Introductory rate for 12 months. Bonus points offer.
Share Secured
Introductory rates as low as 3.90%*; Regular APR: 8.90%
Introductory rates as low as 3.90%*; Regular APR: 10.90%
balance transfer
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+ | Rate stated as: 3.90% intro rate for first 12 months^ then 13.40%-21.00% variable APR+
APR range: 3.90%-12.90% variable; Introductory APR: 0% for the first 12 months. Balance transfer fee: 3% of the amount of each balance transfer. Transfer rate does not apply to existing ACU balances or convenience checks and must be $100 or more to qualify. Regular APR: 10.65%-19.65% variable APR after introductory period.
Intro rate expires: 12 months; Regular APR: 11.49% to 18.00%
Intro rate expires: 12 months; Regular APR: Prime + 7.00%; No annual fee
Intro rate expires: 12 months; Regular APR: reverts to regular credit card rate
As low as
Introductory Rate for Six Months; Regular APR: 8.99%
Annual Percentage Rates as low as...
Regular APR: 13.49%
No additional details provided.
No additional details provided.
Introductory rate; Fixed after six months: 7.99%
Intro rate expires: 12 months; Regular APR: **
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Intro Rate for 12 months; Disclosure
Intro rate expires: 12 months; Regular APR: Prime Rate + 9.74% APR to 19.74% APR thereafter
Intro rate expires: 6 months; Regular APR: 12.75%
Intro rate expires: 18 months; Regular APR: 12.00% - 22.50%
Intro rate expires: 18 months; Regular APR: 13.50% - 22.50%
Introductory Rate as low as 3.99% APR* for purchases and balance transfers for 12 billing cycles based on credit criteria. Variable APR* after introductory period is 14.25% to 22.25% variable APR, based on creditworthiness. 1% Cash Back on All Purchases. No annual fee. Contactless payment.
Introductory Rate as low as 3.99% APR* for purchases and balance transfers for 12 billing cycles based on credit criteria. Variable APR* after introductory period is 12.25% to 20.25% variable APR, based on creditworthiness. No annual fee. Single points on purchases: $1 = 1 point.
Introductory Rate as low as 3.99% APR* for purchases and balance transfers for 12 billing cycles based on credit criteria. Variable APR* after introductory period is 12.25% to 16.25% variable APR, based on credit. Double points on air, hotel, restaurants, and car rental. Waived foreign transaction fees and international service assessments. Trip cancellation/interruption protection. Travel Assistance 24/7 travel advisor. Baggage delay reimbursement. Mastercard airport concierge. Identity theft resolution services. Price protection. $49 annual fee waived with $10,000 in annual spend (waived the first year), or use your points to pay for the annual fee.
Intro rate for 12 months! Regular APR: 6.99%
As Low As
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Introductory rate of 3.99% APR for nine (9) months on Purchases and Balance Transfers. Loan amount up to $1,000.
Intro rate expires: 12 months; Regular APR: 15.76%; Variable Rate information for VISA Platinum purchases and cash advances may vary. The APR will vary with the market based on the preceding 4 week average of the 26 Week Treasury Bill plus a margin of 15.76% Credit limits range from $2,500 to $25,000 based on the credit worthiness of the applicant(s). Method of Computing Balances for Purchases: Average Daily Balance including new purchases. Grace Period: You have 25 days after the close of a billing cycle to replay your balance for purchases before a finance charge will be imposed. Finance charges begin to accrue immediately for cash advances. This is a variable rate loan.
Intro rate; Regular APR: 10.99%
Intro rate expires: 6 months
Share Secured
from; Approval based on credit worthiness. Membership eligibility required.
Intro rate expires: 12 months; Regular APR: 12.65% - 18.00%
As Low As
Determined by account funds
As low as
Share Secured
0.00% APR* Introductory Rate on Purchases for 6 Months; Introductory Rate on Balance Transfers for 6 Months: 4.50%; Standard Fixed Rates: 8.90% to 18.00% APR; $0 Annual Fee; $0 Balance Transfer Fee
Introductory Rate on Purchases for 6 Months: 0.00%; Introductory Rate on Balance Transfers for 6 Months: 4.50%; Regular APR: 8.90% to 18.00%; No annual fee; No balance transfer fee
Rates as of 08/26/2026. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria.
As Low As
Intro rate expires: 6 months; Regular APR: 9.65% to 17.90%
Secure and Credit Builder Options Available Great Introductory Rates
Intro rate expires: 6 billing cycles; Regular APR: 9.90% or 14.90%
Rewards Card (as low as) With Rewards 8.90% No Rewards 7.90% Balance transfer (as low as) With Rewards 5.90% No Rewards 4.90% As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice. See VISA Credit Card Application Disclosure and Agreement for details
Annual Percentage Rate (as low as)
Intro rate expires: 1 year; Regular APR: 8.9%
Introductory Annual Percentage Rate (APR*) for Purchases
No additional details provided.
Intro rate expires: 12 months; Regular APR: Variable with the market based on the Prime Rate, based on your credit score
Intro rate expires: 12 months
No additional details provided.
Introductory rate for first 90 days! A straightforward credit card with a low rate No Annual Fee. Regular APR: 19.99% - 29.99%
Introductory rate for first 90 days! Earn Rewards while you shop! 3.00% cash back on Travel 2.00% cash back on Dining and Gas 1.00% everything else Easily redeem your rewards via the CashBack+ section in your Digital Banking account No Annual Fee. Regular APR: 19.99% - 29.99%
As Low As
Fixed rate for the full repayment of the transferred amount.
Intro rate expires: 12 billings cycles; Regular APR: 13.40% APR - 18% APR based on your credit score
APR range: 4.90% Introductory APR for 6 months. 12.90% Thereafter; Regular APR: 12.90%
Intro rate offer as low as
Regular APR: 9.90% APR
Intro rate expires: life of the transfer balance; Regular APR: 9.90%
Rate for the life of the transfer balance. New purchases or advances using your Central Maine Federal Credit Union card would be at a low 9.90% APR.
Introductory APR for first 6 months. After that, 4.95% up to 17.90% based on your creditworthiness when you open your account. This APR* will vary with the market based on the Prime Rate. Regular APR: 4.95% up to 17.90%
Introductory APR for first 6 months. After that, 4.95% up to 17.90% based on your creditworthiness when you open your account. This APR* will vary with the market based on the Prime Rate. Regular APR: 4.95% up to 17.90%
$5,000 - $30,000; Intro rate expires: 90 days; Regular APR: Prime Rate + 6.65% (as of 07/31/2026: 13.40%); Variable APR; The APR will not exceed 18.00%.
Intro rate expires: 90 days; Regular APR: Prime Rate + 11.75% (as of 07/31/2026: 18.50%); Variable APR; The APR will not exceed 18.00%.
No additional details provided.
No additional details provided.
No additional details provided.
Intro rate expires: 6 months; Regular APR: 8.99%; No annual fees; No balance transfer fees
Introductory rate; Balance transfers available with no fee and introductory rate of 1.99% APR* for 12 months
Intro rate expires: 6 months; Regular APR: standard variable APR will apply, based on your creditworthiness and the terms of your account agreement; The maximum credit amount is $25,000, and cash advance fees do apply. Some other fees may apply. Contact the Credit Union for additional information and a full copy of our Visa disclosure.
No additional details provided.
Introductory APR on purchases in the first 6 months.
Introductory APR on purchases in the first 6 months. Regular APR: 4.99% (purchases).
Introductory APR on purchases in the first 6 months. Regular APR: 4.99% (purchases).
No additional details provided.
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.
Intro rate expires: 9 months; Regular APR: N/A
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Introductory rate
Intro rate expires: 6 months
Intro rate expires: 6 months; Regular APR: 13.99% - 36.00% APR
Introductory APR for Purchases; Balance transfers 12 months; APR range 11.49% - 20.74% after introductory period; $500 minimum credit limit
Introductory APR for Purchases; Balance transfers 12 months; APR range 13.49% - 20.49% after introductory period; $5,000 minimum credit limit
As Low As; Special rates on Visa Cards from June 1st through August 31st, 2026.
Share Secured
Intro rate expires: 6 months; Regular APR: 9.00%*
Regular APR: 18.0%; Balance transfer fee: 3.0% on the transfer amount
As Low As; Rates quoted are based on approved credit.
Intro rate expires: 24 months; Regular APR: WSJ Prime =6.75%
No additional details provided.
Intro rate expires: 12 months; Regular APR: Prime minus 0.50% as published in the Wall Street Journal 30 days before the date of any rate adjustment. As of 04/01/2026 Prime Rate was 6.75%. Interest rate and line amount determined by individual creditworthiness and subject to loan-to-value ratio of 80%. Offer limited to 1-4 family owner-occupied primary residence properties only. Property insurance (and flood insurance if applicable) required. Offer and rate is subject to change at any time without notice. Other terms and restrictions may apply. APR will not exceed 18% with a minimum APR of 3.50%. Existing GCU home equity lines/loans are not eligible for refinance with this promotion. Advertised APRs are the lowest available. Interest rate will be determined by individual creditworthiness. An additional 0.25% discount is available for automatic payment from a Greenwood Credit Union checking account.
The standard variable APR is U.S. Prime plus 5.75% - 17.95% based on creditworthiness. Rates are variable and subject to change at any time at Union Square Credit Union's discretion. Annual Percentage Rate (APR) may change at any time as determined by Union Square Credit Union Board of Directors. Rates reflect a low to high range based on loan term. Lower rates in each range apply to well qualified applicants. Normal credit criteria apply to all applicants. Credit history is one criterion upon which rates are based.
No additional details provided.
As Low As
Rewards Card (as low as) With Rewards 8.90% No Rewards 7.90% Balance transfer (as low as) With Rewards 5.90% No Rewards 4.90% As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice. See VISA Credit Card Application Disclosure and Agreement for details
Annual Percentage Rate (as low as)
Balance transfer rate
Balance transfer special - 9 months 5.90% APR New account special - 6 months Offer available from July 1, 2026 - September 30, 2026.
Balance Transfer Offer. After the intro period, the rate will convert to our standard variable APR. Kinecta APRs won't exceed 18%. Regular APR: 19.99% - 29.99% (variable). Cash Advance Fee is 3.00% of the amount of each cash advance or $10, whichever is greater; No Foreign Transaction Fees. Late Payment is up to $30; Returned Payment is up to $25. If you are charged interest, the charge will be no less than $1.00.
Finance charges imposed beginning on day of cash advance.
Intro rate expires: 6 months; Regular APR: 11.25%
Intro rate expires: 6 months; Regular APR: 11.90% APR or 13.90% APR. 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 months; Regular APR: 11.90% APR or 13.90% APR. 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%
As Low As
Standard
Intro rate expires: 12 months; Regular APR: 6.99%
Intro rate expires: 12 months; Regular APR: 6.99%
Rate based on credit worthiness and subject to change
As low as; *
No additional details provided.
+2.00% above Share Savings Dividend Rate*
Minimum line of credit is $5,000; Earn 2 rewards points for every dollar you spend!
Intro rate expires: 6 months; Regular APR: 11.00%*
Rates range from 6.00% to 11.50%
Regular APR: 6.0%
Intro rate expires: 12 months; Regular APR: 14.65%
Intro rate expires: 12 months; Regular APR: 10.65%
Annual Percentage Rate (APR). APR is based on your creditworthiness. The rate is subject to change quarterly based on the Prime Rate as published in the Wall Street Journal plus a margin of 6.4%-14.5%
Transaction must post between 7/1/26 - 9/30/26. Will Revert to normal rate 10/1/2027.
As Low As; Regular APR:
Rates as of 08/26/2026. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history and underwriting criteria.
APR range: Variable Rate Information: APR= Annual Percentage Rate. The rate for Purchases and Balance Transfers is determined monthly by adding 6.50% to Prime Rate for the Campus Prestige Mastercard and by adding 9.50% to Prime Rate for the Campus Rewards Mastercard. The Prime Rate used to determine your APR is a variable rate and is the highest prime rate published in the "Money Rates" section of The Wall Street Journal as of the last day of the month. The Prime Rate changes will then take effect on the first day of the next billing cycle.; Rate is variable, Indexed to Wall Street Journal Prime Rate (WSJP) APR for Cash Advances 18.00% Penalty APR and When It Applies N/A How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge There is no minimum interest charge that will apply to your account. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore . Annual Fee Transaction Fees Balance Transfer Cash Advance Foreign Transactions Up to 2% on Multiple Currency Foreign Transactions Up to 2% on Single Currency Foreign Transactions Penalty Fees Late Payment Maximum of $25.00 Over-the-Credit-Limit Returned Payments $30.00 per returned payment Other Fees Replacement Card $10.00 per card Rush Card $35.00 per replacement How We Will Calculate Your Balance We will use a method called " average daily balance (including new purchases)." See your account agreement for more details. Billing Rights Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. To request complete disclosures, please visit our contact page. *Offer subject to membership and credit approval.
No additional details provided.
No additional details provided.
No annual fee; No balance transfer fee; Same low rate for purchases, cash advances, and balance transfers; $5,000 maximum credit limit. Your credit limit will be determined based on creditworthiness and other factors.
No additional details provided.
Intro rate expires: 6 billing cycles; Regular APR: 12.25% - 17.50%
Introductory rate is effective for the first six billing cycles for purchases and balance transfers. After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 14.74% to 17.99%*. This is a variable rate. Rewards: 1 point per $1 spent. Annual Fee: $0
Intro rate expires: 12 months; Regular APR: Prime +10.5% interest rate with a cap of 18%.
Intro rate expires: 180 days; Regular APR: 19.99% - 29.99%. 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
Introductory APR for the first year; thereafter, 11.40% to 18.00% variable APR. Earn 1.5% Cashback every $1 spent. Spend $1,000 in the first 90 days and earn 15,000 points = $150.
Intro rate expires: 18 billing cycles; Regular APR: Prime Rate plus a margin which is determined by your credit worthiness. Rate is subject to change without notice. All approvals are subject to normal underwriting guidelines.
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 months; Regular APR: 14.96%; Installment Payments Rate: 5.99%
Intro rate expires: 12 months; Regular APR: 13.96% - 18.00%; Installment Payments Rate Base: 5.99%; Installment Payments Rate Tier 1: 7.99%; Installment Payments Rate Tier 2: 9.99%
Intro rate for the first 12 billing cycles. Installment Payments Rate 5.99%. Regular APR: 14.96%
Intro rate for 12 billing cycles. Installment Payments Rate Base - 5.99%, Tier 1 - 7.99%, Tier 2 - 9.99%. Regular APR: Base - 13.96%, Tier 1 - 16.96%, Tier 2 - 18.00%
Introductory Fixed Rate; Regular APR: 12.40% - 18.00% VARIABLE RATE; Earn 1% Cash Back every year! Cash Back earned throughout the year will automatically be credited to your statement, monthly. For the first six months after opening, receive an additional 4% Cash Back based on the first $7,500 in monthly eligible net purchases.
Intro rate applies to transactions in the first 90 days.
Intro rate expires: 12 months; Regular APR: Prime Rate + 7.74% APR to 17.74% APR thereafter
Intro rate expires: 12 months; Regular APR: 11.15% VAPR
No additional details provided.
Intro rate expires: 12 months; Regular APR: 12.92%*
No annual fees; No balance transfer fees; Reward points with every transaction - redeem for gift cards, merchandise, and travel; 24/7 fraud protection; 25-day interest-free grace period - take your time to pay for new purchases without paying interest for 25 days!; Travel accident insurance when you pay for travel with your card
Double rewards from July through August, 3% APR cashback on everyday purchases when you use your HCU VISA Rewards card. Offer valid on new purchases made between 7/1/2026 and 8/31/2026. New purchases exclude balance transfers, cash advances, and fees. Cashback earned after month close. Eligibility and qualifying transactions subject to terms and conditions. Subject to credit approval. Annual Percentage Yield.
Introductory rate for 12 months. Bonus points offer.
Introductory rates as low as 3.90%*; Regular APR: 10.90%
Intro rate expires: 12 months; Regular APR: Prime + 7.00%; No annual fee
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Intro rate expires: 6 months; Regular APR: 12.75%
Intro rate expires: 18 months; Regular APR: 12.00% - 22.50%
Intro rate expires: 18 months; Regular APR: 13.50% - 22.50%
Introductory Rate as low as 3.99% APR* for purchases and balance transfers for 12 billing cycles based on credit criteria. Variable APR* after introductory period is 14.25% to 22.25% variable APR, based on creditworthiness. 1% Cash Back on All Purchases. No annual fee. Contactless payment.
Determined by account funds
Annual Percentage Rate (as low as)
Introductory rate for first 90 days! Earn Rewards while you shop! 3.00% cash back on Travel 2.00% cash back on Dining and Gas 1.00% everything else Easily redeem your rewards via the CashBack+ section in your Digital Banking account No Annual Fee. Regular APR: 19.99% - 29.99%
Intro rate expires: 12 billings cycles; Regular APR: 13.40% APR - 18% APR based on your credit score
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Intro rate expires: 6 months
Annual Percentage Rate (as low as)
Intro rate expires: 12 months; Regular APR: 6.99%
Minimum line of credit is $5,000; Earn 2 rewards points for every dollar you spend!
Annual Percentage Rate (APR). APR is based on your creditworthiness. The rate is subject to change quarterly based on the Prime Rate as published in the Wall Street Journal plus a margin of 6.4%-14.5%
Introductory rate for balance transfers
Intro rate expires: 12 months; Regular APR: 7.99% - 17.99% depending on your Visa Account Terms. Special offer valid through 6/30/26. No balance transfer fee. Balance transfers are subject to available credit.
Bring Us Your Balance
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: 12 billing cycles; Regular APR: N/A; No balance transfer fees
balance transfer
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+ | Rate stated as: 3.90% intro rate for first 12 months^ then 13.40%-21.00% variable APR+
No additional details provided.
Intro rate expires: 12 months; Regular APR: **
Intro rate expires: 6 months
Rewards Card (as low as) With Rewards 8.90% No Rewards 7.90% Balance transfer (as low as) With Rewards 5.90% No Rewards 4.90% As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice. See VISA Credit Card Application Disclosure and Agreement for details
Annual Percentage Rate (as low as)
Intro rate expires: 1 year; Regular APR: 8.9%
Intro rate expires: 12 months
Fixed rate for the full repayment of the transferred amount.
Regular APR: 9.90% APR
Intro rate expires: life of the transfer balance; Regular APR: 9.90%
Rate for the life of the transfer balance. New purchases or advances using your Central Maine Federal Credit Union card would be at a low 9.90% APR.
No additional details provided.
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.
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Regular APR: 18.0%; Balance transfer fee: 3.0% on the transfer amount
Rewards Card (as low as) With Rewards 8.90% No Rewards 7.90% Balance transfer (as low as) With Rewards 5.90% No Rewards 4.90% As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice. See VISA Credit Card Application Disclosure and Agreement for details
Annual Percentage Rate (as low as)
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Introductory Annual Percentage Rate (APR*) for Purchases
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Credit Card Rate Trends
Weekly average APRs — compiled from 8,500+ banks & credit unions, updated nightly.
Standard Credit Card rates rose 0.048 points this week to 11.609%, up from 11.561% last week.
Cash Back Card rates rose 0.158 points this week to 13.724%, up from 13.566% last week.
Credit Card Rate Trends
Weekly average APRs. Hover to see exact rates for each week.
What Carrying a Balance Actually Costs
Unlike a car loan or mortgage, a credit card balance has no fixed payoff date — interest compounds on whatever you leave unpaid. At the current average APR of 11.61%, here is what a balance costs you per month, and how long it takes to clear at a fixed $250 monthly payment.
| Balance | Interest Accrued per Month | Payoff Time at $250/mo | Total Interest Paid |
|---|---|---|---|
| $1,000 | $9.67 | 5 mo | $25 |
| $2,500 | $24.19 | 11 mo | $142 |
| $5,000 | $48.37 | 1 yr 11 mo | $584 |
| $10,000 | $96.74 | 4 yrs 3 mo | $2,707 |
| $15,000 | $145.12 | 7 yrs 7 mo | $7,554 |
Assumes a fixed $250 monthly payment, no new purchases on the card, and monthly compounding at the average APR. Most issuers actually compound daily, which makes the real cost slightly higher. Your APR is set by your credit profile and issuer and may differ substantially from the average.
The Minimum Payment Trap
Minimum payments are calculated to keep you in debt as long as possible while staying current. Because the minimum shrinks as the balance falls, the last stretch of the payoff crawls. Here is a $5,000 balance at 11.61% APR under a typical minimum payment versus fixed monthly amounts.
| Monthly Payment Strategy | Time to Pay Off | Total Interest | Interest Saved vs. Minimum |
|---|---|---|---|
| Minimum only — interest + 1% of principal | 17 yrs 3 mo | $4,094 | — |
| Fixed $150 every month | 3 yrs 5 mo | $1,065 | $3,029 |
| Fixed $250 every month | 1 yr 11 mo | $584 | $3,511 |
| Fixed $400 every month | 1 yr 2 mo | $355 | $3,740 |
Minimum payment modeled as accrued interest plus 1% of principal, subject to a $25 floor — the most common issuer formula. Yours is stated in your cardholder agreement and may differ; some issuers use a flat percentage of the balance, which stretches the payoff even further. All rows assume no new purchases. The lesson holds regardless of the exact formula: a fixed payment that does not shrink with the balance is what ends the debt.
About Our Credit Card Rate Database
The tables on this page surface the lowest-APR credit card offers we track — standard, cash back, travel, balance transfer, secured, and business cards — drawn from the thousands of verified rates in our database. Every APR is sourced directly from the issuer’s own website and re-verified regularly.
The lowest verified credit card APR in our database right now is 1.99% APR from Guardian Credit Union Montgomery, AL. Card APRs are usually published as a range, and the rate you receive depends on your credit profile — treat the advertised figure as the floor. Note that federal credit unions are capped by regulation on the APR they may charge, which is why credit union cards cluster at the low end of these tables.
How to Pay Less Credit Card Interest
Pay the Statement Balance in Full
This is the only strategy that reduces your interest cost to exactly zero. Pay the full statement balance by the due date and the grace period covers your purchases — the APR on the card becomes irrelevant. Carrying a balance does not help your credit score; that myth costs cardholders a great deal of money every year.
Run the Balance Transfer Math
A 0% intro APR offer can wipe out interest for a promotional window, but transfer fees typically run 3–5% of the amount moved. Compare that one-time fee to the interest you’d otherwise pay over the same period, and make sure you can clear the balance before the promo ends — whatever remains reverts to the regular APR.
Look at Credit Union Cards
Federal credit unions operate under a regulatory ceiling on the APR they can charge, so their cards consistently sit at the low end of our tables. If you carry a balance even occasionally, that ceiling is worth more than any rewards rate. Membership is usually easier to obtain than most people expect.
Call and Ask for a Lower APR
It costs nothing and works more often than people assume. If you’ve paid on time and your credit has improved since you opened the account, call the number on the back of the card and ask. Issuers would rather cut your rate than lose the balance to a competitor offering a transfer.
Once a balance is large enough that you can’t clear it inside a balance transfer promo window, a fixed-rate personal loan is often the cheaper path — it converts revolving debt at a card APR into an installment loan with a lower fixed rate and a guaranteed payoff date. Either way, the strategy only works if the paid-off cards stay paid off.
Which Type of Credit Card Fits You?
The right card depends almost entirely on one question: do you carry a balance, or do you pay in full every month? Rewards are only worth chasing if you never pay interest.
| Card Type | Best If You… | APR Matters? | Typical Annual Fee | Main Trade-off |
|---|---|---|---|---|
| Cash Back | Pay in full monthly | ✗ Not if you pay in full | Often $0 | Rewards are erased by even one month of interest |
| Travel / Miles | Pay in full and travel often | ✗ Not if you pay in full | $0 to premium | Fee only pays off with consistent redemption |
| Low Interest | Sometimes carry a balance | ✓ Yes — the whole point | Usually $0 | Little or no rewards program |
| Balance Transfer | Are moving existing debt | ✓ Yes — after the promo ends | Usually $0 | 3–5% transfer fee, and the promo expires |
| Secured | Are building or rebuilding credit | ● Yes, but limits are small | Varies | Requires a refundable cash deposit |
| Business | Need to separate business spending | ● Depends on your usage | $0 to premium | Often requires a personal guarantee |
General comparison for educational purposes. Features, fees, and eligibility vary by issuer and by applicant credit profile. MonitorBankRates is not an issuer or financial advisor.
Credit Card Payoff Calculator
See how long your balance will take to clear and what the interest will cost. We’ve prefilled the APR with the current average — or click any rate on the right to apply it instantly. Raise the monthly payment and watch the payoff date move.
Assumes a fixed monthly payment, no new purchases or cash advances on the card, and monthly compounding. Most issuers compound daily, so real-world interest runs slightly higher. Fees, penalty APRs, and promotional rates are not modeled. This tool is for illustration and is not an offer of credit.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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 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 Coverage: Our systems constantly monitor the market to provide a complete picture of available credit card products. We feature a comprehensive mix of issuers — from neighborhood credit unions and regional banks to large 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 Credit Card APRs
- Guardian Credit Union Montgomery, AL: 1.99% APR (Secure Credit Card)
- StagePoint Federal Credit Union: 1.99% APR (Visa Credit Cards)
- Gain Federal Credit Union: 1.99% APR (Platinum Rewards Mastercard)
- West Aircomm Federal Credit Union: 1.99% APR (Visa Platinum Credit Card)
- VAPR Federal Credit Union: 1.99% APR (Mastercard)
Credit Card Calculators
