Best Credit Card Rates & Offers (National) - May 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: Arlington Community Federal Credit UnionArlington Community Federal Credit Union5666 Columbia Pike, Falls Church, VA, 22311 5070A+5.0 ★Texas Ratio: 5.63%'s Consumer Credit Card Platinum has an APR of 1.99%, Arlington Community Federal Credit UnionArlington Community Federal Credit Union5666 Columbia Pike, Falls Church, VA, 22311 5070A+5.0 ★Texas Ratio: 5.63%'s Consumer Credit Card Signature has an APR of 1.99%, First Heritage Federal Credit UnionFirst Heritage Federal Credit Union501 Gardner Rd, Wellsboro, PA, 16933 9586A+5.0 ★Texas Ratio: 2.17%'s VISA BALANCE TRANSFER 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%, and 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%. Credit card rates as of May 22, 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: May 22, 2026
Intro rate expires: 12 months; Regular APR: N/A
Intro rate expires: 12 months; Regular APR: N/A
Intro rate expires: 12 months
As Low As; Intro rate expires: 12 months; Regular APR: 6.74% - 18%
Intro rate expires: 12 billing cycles
Intro rate expires: 12 months; Regular APR: 11.75% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Intro rate expires: 12 months; Regular APR: 13.75% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Intro rate expires: 12 months; Regular APR: N/A
Earn with Every Purchase!
As Low As
Intro rate expires: 12 months; Regular APR: 8.75% - 18.00%
Intro rate expires: June 2027; Regular APR: 10.45% - 22.45%
Intro rate expires: $250 bonus!
No additional details provided.
Intro rate expires: 1 year; Regular APR: 11.40% - 18% variable
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: 12 months; Regular APR: 7.99% - 17.99%
As Low As
Intro rate expires: 12 Months; Regular APR: N/A
Monthly Participation Fee - $10 applied to the card balance
Intro rate expires: June 2027; Regular APR: 10.45% - 22.45%
Intro rate expires: 6 billing cycles; Regular APR: 12.25% - 17.50%
Maximum Financing: $2,000 maximum
CASH BACK
No additional details provided.
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
All DuGood credit cardholders receive: A special low rate of 2.50% APR* for 3 months on purchases and balance transfers made between May 4 - July 31, 2026. *Annual Perccentage Rate. Restrictions apply.
Intro rate expires: 6 billing cycles; Regular APR: 14.90%. APR *This APR will vary with the market based on the Prime Rate.
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; See Credit Card Addendum
As Low As; Intro rate expires: 6 months; See Credit Card Addendum
Intro rate expires: 6 months; Regular APR: 9.90%
Intro rate expires: 6 months; Regular APR: N/A
Intro rate expires: 6mo; Regular APR: 9.90% - 18.0%
Intro rate expires: 12 months; Regular APR: 9.90%
Intro rate expires: 6 mos.; Regular APR: 12.50% - 19.50%
Intro rate expires: 12 months; Regular APR: 9.9% - 19.9%
Intro rate expires: 6 months; Regular APR: Prime +6.99%
Intro rate expires: 12 Months; Regular APR: 11.45% - 17.95%
Intro rate expires: 12 Months; Regular APR: 9.95% - 15.95%
Introductory rate
Intro rate expires: 12 months; Regular APR: N/A
Intro rate expires: 12 billing cycles; Regular APR: 14.96%
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%
As Low As
Regular APR: 12.90% - 17.90%
Regular APR: 15.40% - 17.90%
Intro rate expires: 6 months; Regular APR: 12.40%
Intro rate expires: 6 billing cycles; Regular APR: As Low As; 11.75%
Intro rate expires: After Introductory Rate; Regular APR: 11.49% to 18.00%
As Low As
Intro rate expires: 6 monthly billing cycles; Regular APR: standard rate
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%
As Low As
6-Mo. Intro Balance Transfer
Intro rate expires: 6 billing cycles; Regular APR: 9.99%
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: 24 months
Intro rate expires: 6 billing cycles; Regular APR: Low non-variable APRs
Introductory Rate; Regular APR: Fixed Rate
Intro rate expires: Low 2.99% APR* Introductory Rate; Regular APR: 12.92%*
Intro rate expires: 12 billing cycles; Regular APR: 10.9%; Balance transfer rate of 2.99% for 12 billing cycles from date of transfer. Fixed rate ARP.
Intro rate expires: 12-months on purchases and balance transfers; Regular APR: N/A
Intro rate expires: no balance transfer fee; Regular APR: null
Special Intro Rate*
Intro rate expires: 6 months; Regular APR: null
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 rate expires: 12 months; Regular APR: Not specified
Intro rate expires: 12 Months; Regular APR: standard APR
For the LIFE of transactions made before 7/31/26
No additional details provided.
Intro rate expires: 6-month; Regular APR: 10.5%
As Low As
As Low As; Up to 36 months (as low as)
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%.
As Low As; 37 - 60 months (as low as)
As Low As; Regular APR: 8.90%
As Low As; Regular APR: 10.90%
As Low As; Intro rate expires: 6 months; Regular APR: null
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable
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: Regular APR:
Intro rate expires: 6 months; Regular APR: 12.00% - 17.99%
Regular APR: N/A
As Low As
No additional details provided.
Intro rate expires: 12 months; Regular APR: regular credit card rate
As Low As
Intro rate expires: 12 Months
As Low As; Intro Rate
Regular APR: See credit card disclosure for rate and offer information.
Regular APR: See credit card disclosure for rate and offer information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.; (For Life of Balance Transfer)
Regular APR: 3.99%
Intro rate expires: first six months!; Regular APR: 7.99%
As Low As; Intro rate expires: 12 months; Regular APR: null
Intro rate expires: 12 months; Regular APR: Based on creditworthiness
Introductory rate for 12 months to qualified customers; *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: 6 months; Regular APR: 11.50% - 22.00%
Intro rate expires: 6 months; Regular APR: 12.50% - 23.00%
Intro rate expires: 12 months; Regular APR: 6.99%
Intro rate expires: 12 months; Regular APR: 3.99%
As Low As
No additional details provided.
Intro rate expires: 9 months; 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: 12 months; Regular APR: 15.58%
Intro rate expires: 6 months; Regular APR: 13.49% - 18.00%; PLUS 5,000 Bonus Points when you open a new card!
Intro rate expires: 6 months; Regular APR: 13.49% - 18.00%
Intro rate expires: 6 months; Regular APR: As low as 10.99%
Intro rate expires: 12 months; Regular APR: Index plus a margin of 7.00 percentage points and rounded to the nearest hundredth divisible by twelve
introductory period of 6 months
Max. amount $5,000
$500 - $1,500
Regular APR: null
No additional details provided.
No additional details provided.
As Low As; 61-120 months (as low as)
Intro rate expires: one-year; Regular APR: 8.9%
No additional details provided.
Intro rate expires: 12 Months; Subject to Approval; Regular APR: Subject to Approval
Intro rate expires: 12 billing cycles; Regular APR: 12.00% - 16.25%
No additional details provided.
As Low As
Intro rate expires: 6 months; Regular APR: 12.90%
Intro rate expires: 6 month; Regular APR: 9.65%
Regular APR: 9.90%
Promotional APR
$5,000 - $30,000; As Low As; Regular APR: Based on Prime Rate plus a margin. APR on those purchases will remain at 4.99% through the initial 90-day promotional period. 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.
As Low As; Regular APR: Based on Prime Rate plus a margin. APR on those purchases will remain at 4.99% through the initial 90-day promotional period. 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.
February 25 - May 25
Intro rate expires: 6 months; Regular APR: N/A
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: 12 months; Regular APR: 14.40%-21.00% variable APR+
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.
Intro rate expires: 6 months; Regular APR: 9.00%
As Low As
No additional details provided.
As Low As; Regular APR: 17.99%
0% Down Payment
Installation-Up to 18 Months
No additional details provided.
No additional details provided.
As Low As
No additional details provided.
As Low As
As Low As; Regular APR: 11.75%
No additional details provided.
As Low As
Intro rate expires: 6 billing cycles; Regular APR: 11.90% or 13.90%
Intro rate expires: 6 billing cycles; Regular APR: 11.90% or 13.90%
As Low As; RATES AS LOW AS 5.99%
As Low As
No additional details provided.
No additional details provided.
Intro rate expires: 12 months; Regular APR: 5.99%
As Low As
No additional details provided.
Intro rate expires: 6 months; Regular APR: 11.00%
As Low As; Regular APR: 6.00% - 11.50%
No additional details provided.
Army/Military
No additional details provided.
No additional details provided.
Regular APR: 14.65%
Regular APR: 10.65%
No additional details provided.
120 months
No additional details provided.
As Low As
As Low As
As Low As
Intro rate expires: Limited-Time; Regular APR: Purchases & Balance Transfers
Intro rate expires: 12 months; Regular APR: 13.75% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Earn with Every Purchase!
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: 6 billing cycles; Regular APR: 12.25% - 17.50%
As Low As; Intro rate expires: 6 months; See Credit Card Addendum
As Low As; Intro rate expires: 6 months; See Credit Card Addendum
Intro rate expires: 12 Months; Regular APR: 11.45% - 17.95%
Intro rate expires: 12 billing cycles; Regular APR: 14.96%
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%
Regular APR: 15.40% - 17.90%
Intro rate expires: 6 months; Regular APR: 12.40%
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%
As Low As
Intro rate expires: Low 2.99% APR* Introductory Rate; Regular APR: 12.92%*
Intro rate expires: 12 months; Regular APR: 14.99% - 16.99%
Intro rate expires: 12 months; Regular APR: Not specified
As Low As; Regular APR: 10.90%
Intro rate expires: 6 billing cycles; Regular APR: 14.90%
Regular APR: See credit card disclosure for rate and offer information.
Regular APR: See credit card disclosure for rate and offer information.
Intro rate expires: First 6 Months; Regular APR: 12.75%
Intro rate expires: 6 months; Regular APR: 12.50% - 23.00%
Intro rate expires: 6 months; Regular APR: 13.49% - 18.00%; PLUS 5,000 Bonus Points when you open a new card!
Intro rate expires: 12 months; Regular APR: Index plus a margin of 7.00 percentage points and rounded to the nearest hundredth divisible by twelve
Intro rate expires: 12 months; Regular APR: 15.50% - 26.00%
Intro rate expires: 12 months; Regular APR: 15.50% - 26.00%
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
No additional details provided.
Intro rate expires: 12 months
Intro rate expires: June 2027; Regular APR: 10.45% - 22.45%
Intro rate expires: June 2027; Regular APR: 10.45% - 22.45%
No additional details provided.
Intro rate expires: 12 billing cycles
As Low As
Intro rate expires: 6 monthly billing cycles; Regular APR: standard rate
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: 24 months
Intro rate expires: 12 months; Regular APR: Not specified
Intro rate expires: 12 Months; Regular APR: standard APR
For the LIFE of transactions made before 7/31/26
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable
No additional details provided.
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 expires: 12 months; Regular APR: null
introductory period of 6 months
Regular APR: 9.90%
February 25 - May 25
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: 12 months; Regular APR: 14.40%-21.00% variable APR+
As Low As
Introductory rate
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Regular APR: See credit card disclosure for rate and offer information.
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
National Credit Card Rate Trends
Weekly national average APRs — compiled from 8,500+ banks & credit unions, updated nightly.
Standard Credit Card rates rose 0.020 points this week to 11.227%, up from 11.208% last week.
Cash Back Card rates rose 0.196 points this week to 13.496%, up from 13.300% 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
- Arlington Community Federal Credit Union: 1.99% APR (Consumer Credit Card Platinum)
- Arlington Community Federal Credit Union: 1.99% APR (Consumer Credit Card Signature)
- First Heritage Federal Credit Union: 1.99% APR (VISA BALANCE TRANSFER)
- StagePoint Federal Credit Union: 1.99% APR (Visa Credit Cards)
- West Aircomm Federal Credit Union: 1.99% APR (VISA Platinum Credit card)
Credit Card Calculators
