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%, AmeriCU Credit UnionAmeriCU Credit Union871 Arsenal St, Yorkville, NY, 13602 5477A-4.9 ★Texas Ratio: 14.21%'s AmeriCONNECT Visa Card has an APR of 1.99%, Albright Credit UnionAlbright Credit Union2 Stony Hill Rd Ste 100, South Boston, MA, 06810A5.0 ★Texas Ratio: 10.36%'s Credit Card - Balance Transfer Special has an APR of 1.99%, Albright Credit UnionAlbright Credit Union2 Stony Hill Rd Ste 100, South Boston, MA, 06810A5.0 ★Texas Ratio: 10.36%'s Credit Cards - Balance Transfers has an APR of 1.99%, and 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%. Credit card rates as of July 25, 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: July 25, 2026
Introductory Rate; then 11.40% - 18% variable APR
Introductory Variable APR for purchases; Regular APR: 11.65%-17.99%
Intro rate expires: 12 months; Regular APR: 7.99% - 17.99% depending on your Visa Account Terms. 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. 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: 7.99% - 17.99% depending on your Visa Account Terms. No balance transfer fee. Offer expires on 6/20/2026. Based on credit approval.
Monthly Participation Fee - $10 applied to the card balance
Intro rate expires: 12 months; Regular APR: 6.74% APR - 18% APR
Intro rate expires: 12 billing cycles; Regular APR: 9.5%
Intro rate for purchases. 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: 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
Intro rate expires: 12 months; Regular APR: 8.75% - 18.00% APR. Introductory rate of 1.99% APR applies to any advances added to your UECU Visa® Power CardTM during the first 12 months after its issue. At the time of your card application, your regular variable interest rate is based on an evaluation of credit-worthiness criteria and is identified in your credit card agreement and disclosures. Not all applicants will qualify for approval. Following 12 complete monthly UECU credit card statement cycles, all balances, existing and new, will accrue interest at your regular variable rate, which is the Wall Street Journal Prime Rate ("index") plus or minus the "margin" as disclosed in your credit agreement and disclosure. APR will not exceed 18%. The intro rate offer of 1.99% APR is for first time cardholders only. Offer may be withdrawn at any time without notice.
Intro rate expires: ; Regular APR:
Introductory APR
Regular APR: with no annual or balance transfer fees
Intro rate expires: 6 months; Regular APR: 9.49% - 16.49%
Credit Cards as low as 1.99% APR
Introductory APR for 12 months. Regular APR: 18.00% - 24.00%.
No additional details provided.
As Low As
Intro rate expires: 6 months; Regular APR: Contact us for an application!; Excellent rewards program.
Intro rate expires: 6mo; Regular APR: 9.90% to 18.0%
Intro rate expires: 6 billing cycles; 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
As Low As; Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
As Low As; Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Intro rate expires: 6 months; Regular APR: 9.90%; no fee balance transfers
Regular APR: 11.45% - 17.95%
Regular APR: 9.95% - 15.95%
Introductory rate; no balance transfer fee*
Special Intro Rate*; The Annual Percentage Rate (APR) for all loans is based on individual credit score and is subject to credit approval. All rates are subject to change without notice.
Balance Transfers AND Purchases; Intro rate expires: 07/31/2026
Balance Transfer promotional rate applicable for 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.
As Low As; VAPR*** after introductory rate ends; Regular APR: 11.15% VAPR***
Intro Rate; Unlimited cash back
Intro rate expires: six billing cycles; Regular APR: 9.99%
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
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; 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.
Intro rate expires: 6 Months; Regular APR: 13.49%; Balance Transfer APR: 3.99% for 12 Months
Intro rate expires: Introductory Rate; Regular APR: 11.49% to 18.00%
6-month Intro APR; Regular APR:
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 billing cycles; Regular APR: 10.9%; Balance transfer rate of 2.99% for 12 billing cycles from date of transfer.
Intro rate expires: 12 billing cycles; Regular APR: 9.9%; Balance transfer rate of 2.99% for 12 billing cycles from date of transfer.
No additional details provided.
Excellent Rates
Intro rate expires: 6 months; Regular APR:
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+
Intro rate expires: 6 months; Regular APR: 12.00% - 17.99%
Introductory rates as low as 3.90%*; Regular APR: 8.90%*
Introductory rates as low as 3.90%*; Regular APR: 10.90%*
Intro rate expires: 12 months; Regular APR: reverts to regular credit card rate
Annual Fee: 0.00; Payment is 3% of loan balance, minimum of $20.00.
Introductory rate of 3.99% APR for nine (9) months on Purchases and Balance Transfers; Regular APR: 19.99% - 29.99%; Intro rate expires: 9 months
Available October 1st, 2025, through December 1st, 2025. When you transfer an existing balance to a PPFCU credit card.
As Low As
No additional details provided.
Intro rate expires: 18 months; Regular APR: 12.00% - 22.50%.
Intro rate expires: 18 months; Regular APR: 13.50% - 22.50%.
Intro rate expires: 18 months; Regular APR: 12.00% - 22.50%.
Intro rate expires: 18 months; Regular APR: 13.50% - 22.50%.
Intro rate for 12 months! Regular APR: 6.99%
Intro rate as low as; Regular APR: 10.99%
No Annual Fee or Balance Transfer Fee; Intro APR of 3.99%
Annual Percentage Rates as low as...
Limited-Time Offer; Intro rate expires: 12 months
Introductory rate; 7.99% FIXED after six months
Intro rate expires: 12 months; Regular APR: **
Intro Rate APR
Intro rate expires: See credit card disclosure; Regular APR: See credit card disclosure; Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
Intro rate expires: See credit card disclosure; Regular APR: See credit card disclosure; Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
No additional details provided.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99% (based on creditworthiness)
As Low As
from; Approval based on credit worthiness. Membership eligibility required.
Intro rate expires: 12 months; Regular APR: 12.65% - 18.00%
Determined by account funds
Excellent Rates
Introductory APR as low as 4.74% for your first 12 months.
No additional details provided.
Intro rate expires: 12 months; Regular APR: Subject to Approval
Regular APR: 4.9%
As Low As; Rates as low as 4.90% APR*
Secure and Credit Builder Options Available Great Introductory Rates
No balance transfer fee and no annual fee
No annual fee, a low rate, rewards how you want them... this is spending at its most rewarding. Rates as low as 4.9% APR*
Regular APR: 12.90%
Rate for the life of the transfer balance.
$5,000 - $30,000; Intro rate expires: 90 days; Rate: Prime Rate + 6.65%; Regular APR: 4.99% - 18.00%
Intro rate expires: 90 days; Rate: Prime Rate + 11.75%; Regular APR: 4.99% - 18.00%
Intro rate expires: 6 months; Regular APR: 13.99% - 36.00%*
Introductory APR; Regular APR:
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
As Low As; Auto Loans
No additional details provided.
Intro rate expires: 12 months; Regular APR: 7.99% - 14.99%. Rates may vary based on credit history, term, and collateral.
No additional details provided.
As Low As
No additional details provided.
No additional details provided.
As Low As
As Low As
As low as
As Low As; No Balance Transfer Fee
Intro rate expires: 6 months; Regular APR: 12.99%
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.
Annual Percentage Rate
No additional details provided.
RATES AS LOW AS 5.99%
Intro Rate; Regular APR: 14.65% APR* Fixed Rate
Intro Rate; Regular APR: 10.65% APR* Fixed Rate
No additional details provided.
As Low As; Rates range from 6.00% to 11.50%
No additional details provided.
+2.00% above Share Savings Dividend Rate*
As Low As
Intro rate expires: 6 months; Regular APR: 9.49%
Rates as low as; Apply Today
No additional details provided.
No additional details provided.
No additional details provided.
as low as
No additional details provided.
Rates as low as
as low as
No additional details provided.
As Low As
Variable Rate
No additional details provided.
No additional details provided.
As Low As; no annual fee; monthly payment grace period; UChoose Rewards program; mobile app and digital access
No Annual Fee
No Annual Fee
Purchase and cash advance APR.
No additional details provided.
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).
****
As Low As
As Low As
No additional details provided.
Intro rate expires: 6 months; Regular APR: See the Visa Credit Card Disclosure; Subject to credit approval. Rates are subject to Lender's credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. After 6 months the balance and new purchase rate will convert to the rate, based on their score at application.
Rates as low as 6.90% APR*
Smart Spending. Fixed APR. Rates as low as 6.90% APR.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No Annual Fee; Rates as low as 6.9%APR*; ScoreCard CashBack Rewards (see details below); Qualified purchases do not include cash advances, convenience checks, returns or balance transfers.
No additional details provided.
As Low As; GREAT RATES EVERY DAY! LEARN MORE
No additional details provided.
As Low As; Loan Limits: $300 - $25,000
As Low As; Loan Limits: $300 - $25,000
No Annual Fee - 25 day grace period
As low as*
As Low As
Transfer the balances of your existing high interest credit cards.
As Low As
No additional details provided.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
max. loan amount $20,000
max. loan amount $20,000
No additional details provided.
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.
No Annual Fee
May qualify for up to two times gross monthly income.
As Low As
No additional details provided.
As Low As
Premium Rewards. Signature Service.
As Low As; no annual fee
Purchases; Regular APR: 7.50% - 16.75%
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
Intro rate expires: 7.50%; Regular APR: 7.50%
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
As Low As
No additional details provided.
No additional details provided.
Our low-rate Visa® Platinum card makes it easy to combine multiple balances and lower your interest.
Regular APR: 7.75%
The type of card issued and your Annual Percentage Rate (APR) are based upon credit qualification. The range of APRs for Visa cards is 7.75% to 13.75%.
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.
Variable Rate
Risk-Based Pricing Guidelines
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
Based on Credit Score
Required $2,000 minimum limit
Fixed 7.9% Rate
Intro rate for purchases. 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: 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
As Low As; Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
As Low As; Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Regular APR: 11.45% - 17.95%
Balance Transfers AND Purchases; Intro rate expires: 07/31/2026
As Low As; VAPR*** after introductory rate ends; Regular APR: 11.15% VAPR***
Intro Rate; Unlimited cash back
Intro rate expires: 12 months; Regular APR: 14.99% - 16.99%
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%
Introductory rates as low as 3.90%*; Regular APR: 10.90%*
Intro rate expires: 18 months; Regular APR: 12.00% - 22.50%.
Intro rate expires: 18 months; Regular APR: 13.50% - 22.50%.
Intro rate expires: 18 months; Regular APR: 12.00% - 22.50%.
Intro rate expires: 18 months; Regular APR: 13.50% - 22.50%.
Intro rate expires: See credit card disclosure; Regular APR: See credit card disclosure; Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
Intro rate expires: See credit card disclosure; Regular APR: See credit card disclosure; Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
Determined by account funds
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
As Low As; Auto Loans
No additional details provided.
No additional details provided.
No additional details provided.
Intro rate expires: 12 months; Regular APR: 7.99% - 17.99% depending on your Visa Account Terms. 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. 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: 7.99% - 17.99% depending on your Visa Account Terms. No balance transfer fee. Offer expires on 6/20/2026. Based on credit approval.
Introductory APR
No additional details provided.
Balance Transfers AND Purchases; Intro rate expires: 07/31/2026
Balance Transfer promotional rate applicable for 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.
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: 6 months; Regular APR:
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+
Available October 1st, 2025, through December 1st, 2025. When you transfer an existing balance to a PPFCU credit card.
Intro rate expires: 12 months; Regular APR: **
No additional details provided.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
No balance transfer fee and no annual fee
Rate for the life of the transfer balance.
Introductory APR; Regular APR:
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Intro rate expires: 12 months; Regular APR: 7.99% - 14.99%. Rates may vary based on credit history, term, and collateral.
No additional details provided.
Transfer the balances of your existing high interest credit cards.
($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
Intro rate for purchases. 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: 12.40%-21.00% variable APR+
Intro rate expires: 18 months; Regular APR: 12.00% - 22.50%.
Intro rate expires: 18 months; Regular APR: 13.50% - 22.50%.
Intro rate expires: See credit card disclosure; Regular APR: See credit card disclosure; 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+
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 rose 0.014 points this week to 11.303%, up from 11.289% last week.
Cash Back Card rates fell 0.024 points this week to 13.345%, down from 13.369% last 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)
- AmeriCU Credit Union: 1.99% APR (AmeriCONNECT Visa Card)
- Albright Credit Union: 1.99% APR (Credit Card - Balance Transfer Special)
- Albright Credit Union: 1.99% APR (Credit Cards - Balance Transfers)
- Guardian Credit Union Montgomery, AL: 1.99% APR (Secure Credit Card)
Credit Card Calculators
