Best Credit Card Rates & Offers (National) - June 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: Utilities Employees Credit UnionUtilities Employees Credit Union337 Clay Ave, Wyomissing, PA, 19610A+5.0 ★Texas Ratio: 3.55%'s Visa® Credit Card has an APR of 1.99%, Neighborhood Credit UnionNeighborhood Credit Union791 W Wheatland Rd, Waxahachie, TX, 76018 2734A5.0 ★Texas Ratio: 7.88%'s Visa Personal Platinum 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 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%, and Stanford Federal Credit UnionStanford Federal Credit Union905 Barron Avenue, Stanford, CA, 94305A+5.0 ★Texas Ratio: 0.76%'s Credit Card has an APR of 1.99%. Credit card rates as of June 11, 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 11, 2026
Intro rate expires: 12 months; Regular APR: 8.75% - 18.00%
No additional details provided.
Intro rate expires: 12 months; Regular APR: 7.99% - 17.99%
Intro rate expires: 6 billing cycles; Regular APR: 12.25% - 17.50%
Intro rate expires: 6 months; Regular APR: 13.49% - 18.00%
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
As Low As; earn a $250 bonus!
Intro rate expires: 12 months; Regular APR: N/A
Intro rate expires: 12 months; Regular APR: N/A
Intro rate expires: 12 month introductory APR; Regular APR: N/A
Monthly Participation Fee - $10 applied to the card balance
Intro rate expires: through June 2027; Regular APR: 10.45% - 22.45%; No balance transfer fee
Intro rate expires: 12 months; Regular APR: 1.99%*
Intro rate expires: through June 2027; Regular APR: 10.45% - 22.45%; pay no balance transfer fee
Intro rate expires: 1 year; Regular APR: 11.40% - 18% variable APR*
Intro rate expires: 6 months; Regular APR: Varies
Introductory Variable APR for purchases; Regular APR: 11.65%-17.99%
Intro rate expires: 12 months; Regular APR: N/A
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
CASH BACK
Regular APR: 1%
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; Regular APR: Competitive rates; No balance transfer fees; Transfer balances from other creditors to your GeoVista CU credit card; Competitive rates and boosted purchasing power online and offline; Shop everywhere Visa® is accepted; No annual fees; Savings Secured card available to help you build up credit; Earn and redeem reward points with [ScoreCard Rewards](https://www.scorecardrewards.com/#/home); Includes benefits like [Roadside Dispatch](https://www.geovistacu.com/_/kcms-doc/638/60006/roadside-dispatch-card-benefit.pdf)® and zero liability1; Enroll in [purchase alerts](https://usa.visa.com/pay-with-visa/featured-technologies/purchase-alerts.html) to better monitor your money; Handle and make payments 24/7 with [eZCardInfo](https://www.ezcardinfo.com/#/); EMV chip included for greater security; Quickly replace your card if [lost or stolen](https://www.geovistacu.com/about/contact-us.html#lostCard)
Intro rate expires: 6 months; Regular APR: 9.90%
Intro rate expires: 12 months; Regular APR: 9.90%
As Low As; Intro rate expires: 6 months; See Credit Card Addendum
As Low As; Intro rate expires: 6 months; See Credit Card Addendum
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: 12 months; Regular APR: 9.9% - 19.9%. View and download disclosures
up to $30,000; Intro rate expires: 12-Month Introductory Rate; Regular APR: 11.45% - 17.95%
up to $30,000; Intro rate expires: 12-Month Introductory Rate; Regular APR: 9.95% - 15.95%
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; 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: 6 months; Regular APR: standard rate set through the credit union
Intro rate expires: Transfer APR††; Regular APR: 12.90% - 17.90%
Intro rate expires: Transfer APR††; 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: 6 monthly billing cycles; Regular APR: standard rate
As Low As
Intro rate expires: 6 billing cycles; Regular APR: N/A
Intro rate expires: Fixed Rate; Regular APR: null
As Low As; Regular APR: 12.92%
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: Base - 13.96%, Tier 1 - 16.96%, Tier 2 - 18.00%
Intro rate expires: 6 billing cycles; Regular APR: 11.9%
Introductory Rate; Regular APR: 11.49% to 18.00%
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
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.
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: 6-month; Regular APR: 10.5%
Introductory rate; Regular APR: Not specified
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%.
As Low As
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%
As Low As; Regular APR: 8.90%
As Low As; Regular APR: 10.90%
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+
Regular APR: 12.00% - 17.99%
Intro rate expires: 12 months; Regular APR: 6.99%
As Low As
Intro rate expires: 12 months; Regular APR: 15.58%
Intro rate expires: 6 months; Regular APR: As low as 10.99%
As Low As
As Low As
Intro rate expires: 12 Months
As Low As; (For Life of Balance Transfer)
No additional details provided.
Intro rate expires: 6 months; Regular APR: 7.99%
As Low As; Intro rate expires: 12 months; Regular APR: null
Intro rate expires: 12 months; Regular APR: 11.49%-18.00%
Intro rate expires: 12 months; Regular APR: Based on creditworthiness as well as your individual credit scores
Intro rate expires: 12 months; *Annual Percentage Rate
Intro Rate for 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%
Intro rate expires: First 6 Months; Regular APR: 12.75%
Intro rate expires: 6 Months; Regular APR: 10.99 - 17.99%
No Annual Fee or Balance Transfer Fee
Intro rate expires: 12 months; Regular APR: N/A
Intro rate expires: ; Regular APR: ; Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
Intro rate expires: ; Regular APR: ; Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
No additional details provided.
Loan amount up to $1,000. Introductory rate for Purchases and Balance Transfers. Regular APR: Varies.
introductory period of 6 months
As Low As; Prime + 4.00% APR
Regular APR: 12.65% - 18.00%
As Low As
As Low As
Intro rate expires: 6 month; Regular APR: 9.65%
As Low As
No additional details provided.
Intro rate expires: 6 months; Regular APR: 12.90%
Secure and Credit Builder Options Available; Great Introductory Rates
Intro rate expires: 1 year; Regular APR: 8.9%
Regular APR: 9.90%
As Low As; Intro rate expires: 12 months; Regular APR: 7.99% - 14.99%
Introductory APR on balance transfers for the first 9 months; Regular APR:
introductory APR on purchases in the first 6 months; Regular APR:
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Intro rate expires: 6 months; Regular APR: 13.99% - 36.00%
Intro rate expires: 6 months; Regular APR: 9.00% APR
No additional details provided.
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
No additional details provided.
Balance transfer rate
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
No additional details provided.
Introductory Rate. Regular APR: 12.99%.
No additional details provided.
No additional details provided.
No additional details provided.
Intro rate expires: 6 months; Regular APR: 11.00% APR
Intro rate expires: N/A; Regular APR: 6.00% to 11.50%
Intro Rate; Regular APR: 14.65% APR* Fixed Rate
Intro Rate; Regular APR: 10.65% APR* Fixed Rate
As Low As
As Low As
Intro rate expires: Limited-Time; Regular APR: Purchases & Balance Transfers
As Low As
No additional details provided.
Fixed rate
As Low As
As Low As
No additional details provided.
No additional details provided.
As Low As
as low as
No additional details provided.
As Low As
As Low As
As Low As
Equals Prime Rate
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As
No additional details provided.
As Low As
No additional details provided.
No additional details provided.
Intro rate expires: 6 months; Regular APR: based on their score at application
No additional details provided.
Purchases APR; Balance Transfer APR
As Low As
As Low As
As Low As; Regular APR: 8.9% Base(10.9%) 12.9% 15.9% 17.9%
No additional details provided.
No additional details provided.
No Annual Fee
No Annual Fee
As Low As
No additional details provided.
As Low As
No additional details provided.
As low as; *
As Low As
Rates as low as 6.90% APR*
No additional details provided.
6.9% Fixed APR*
No additional details provided.
As Low As; $300 - $25,000
As Low As; $300 - $25,000
As Low As
As Low As; Rate based on creditworthiness and term of loan.
As Low As
max. loan amount $20,000
max. loan amount $20,000
No Annual Fee - 25 day grace period
As Low As
As Low As
As Low As
Transfer the balances of your existing high interest credit cards and let us help you start saving money today!
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
No additional details provided.
As low as*
As Low As
No additional details provided.
As Low As
Intro rate expires: 6 billing cycles; Regular APR: 12.25% - 17.50%
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
Intro rate expires: 12 months; Regular APR: N/A
As Low As; Intro rate expires: 6 months; See Credit Card Addendum
As Low As; Intro rate expires: 6 months; See Credit Card Addendum
up to $30,000; Intro rate expires: 12-Month Introductory Rate; Regular APR: 11.45% - 17.95%
Intro rate expires: 12 months; Regular APR: Not specified
Intro rate expires: Transfer APR††; Regular APR: 15.40% - 17.90%
Intro rate expires: 6 months; Regular APR: 12.40%
As Low As; Regular APR: 12.92%
Intro rate expires: 12 billing cycles; Regular APR: 14.96%
Intro rate expires: 12 billing cycles; Regular APR: Base - 13.96%, Tier 1 - 16.96%, Tier 2 - 18.00%
Intro rate expires: 12 months; Regular APR: 14.99% - 16.99%
Intro rate expires: 6 billing cycles; Regular APR: 14.90%
As Low As; Regular APR: 10.90%
Intro rate expires: First 6 Months; Regular APR: 12.75%
Intro rate expires: ; Regular APR: ; Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
Intro rate expires: ; Regular APR: ; 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+
No additional details provided.
No additional details provided.
Intro rate expires: 12 month introductory APR; Regular APR: N/A
Intro rate expires: through June 2027; Regular APR: 10.45% - 22.45%; No balance transfer fee
Intro rate expires: through June 2027; Regular APR: 10.45% - 22.45%; pay no balance transfer fee
No additional details provided.
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: 6 monthly billing cycles; Regular APR: standard rate
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+
As Low As; (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%
As Low As; Intro rate expires: 12 months; Regular APR: 7.99% - 14.99%
Introductory APR on balance transfers for the first 9 months; Regular APR:
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
As Low As
Transfer the balances of your existing high interest credit cards and let us help you start saving money today!
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: ; Regular APR: ; 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+
National Credit Card Rate Trends
Weekly national average APRs — compiled from 8,500+ banks & credit unions, updated nightly.
Standard Credit Card rates rose 0.029 points this week to 11.247%, up from 11.218% last week.
Cash Back Card rates rose 0.067 points this week to 13.388%, up from 13.320% 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
- Utilities Employees Credit Union: 1.99% APR (Visa® Credit Card)
- Neighborhood Credit Union: 1.99% APR (Visa Personal Platinum)
- Albright Credit Union: 1.99% APR (Credit Cards)
- Gain Federal Credit Union: 1.99% APR (Platinum Rewards Mastercard)
- Stanford Federal Credit Union: 1.99% APR (Credit Card)
Credit Card Calculators
