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: VAPR Federal Credit UnionVAPR Federal Credit UnionStreet 54, San Juan, PR, 00969A+5.0 ★Texas Ratio: 0.33%'s Mastercard has an APR of 1.99%, GFA Federal Credit UnionGFA Federal Credit Union99 Grove St, Winchendon, NH, 03461A+5.0 ★Texas Ratio: 2.93%'s Cash Back Credit Card has an APR of 1.99%, San Mateo Credit UnionSan Mateo Credit Union575 Middlefield Rd, South San Francisco, CA, 94402 3098A+5.0 ★Texas Ratio: 2.09%'s Credit Cards has an APR of 1.99%, Greater Niagara Federal Credit UnionGreater Niagara Federal Credit Union2901 MILITARY RD, NORTH TONAWANDA, NY, 14304 1251A+5.0 ★Texas Ratio: 1.67%'s VISA Balance Transfer has an APR of 2.34%, and First Capital Federal Credit UnionFirst Capital Federal Credit Union4500 Intermediate Ave, York, PA, 17408 2228A+5.0 ★Texas Ratio: 0.83%'s Visa Platinum Credit Card has an APR of 2.99%. Credit card rates as of September 13, 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: September 13, 2026
Oferta en cuentas nuevas, primeros seis meses, valida hasta el 30/9/26
As Low As
As low as
Bring Us Your Balance
Introductory Rate; Regular APR: 11.49% to 18.00%
No additional details provided.
No additional details provided.
APR range: 3.90%-12.90%; Rate based on primary applicant's credit score. Your APR may vary. The rate for purchases, cash advances and balance transfers are determined monthly by adding 3.9%-12.9% to the Prime Rate.
Annual Percentage Rates as low as...
As low as
No additional details provided.
As Low As; *Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; Please Call for Current Rates
Introductory period
No additional details provided.
Intro APR: 0% for 12 Months; Intro rate expires: 12 Months; Regular APR: 4% fee
from; Approval based on credit worthiness. Membership eligibility required.
As Low As; Classic Visa
Determined by account funds
No additional details provided.
As Low As
Secure and Credit Builder Options Available Great Introductory Rates
As Low As; Annual Percentage Rate
As Low As; Reduce High-Interest Debt Consolidate balances at a rate that's 3% lower than your approved Salt City rate for the life of the balance. Subject to 1% balance transfer fee. Simplified Payments Make managing debt easier with one convenient payment.
Introductory Annual Percentage Rate (APR*) for Purchases. Variable rate - Click here for current rate
Intro rate expires: 12 months; Regular APR: variable with the market based on the Prime Rate, based on your credit score
Life Is Expensive Enough. Create Some Breathing Room.
No additional details provided.
Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. Any existing balances on United Financial Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers. No Annual Fee
Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. Any existing balances on United Financial Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers. 3.00% cash back on Travel and 2.00% cash back on Dining and Gas - these specials are valid for a limited time. Regular APR: 1.00% everything else
As Low As
Balance transfer special; fixed rate for the full repayment of the transferred amount.
Balance Transfer
Rate for the life of the transfer balance; Any new purchases or advances using your Central Maine Federal Credit Union card would be at a low 9.90% APR
Introductory APR; Regular APR: 1.99% for 12 months on balance transfers
Intro rate expires: 6 months; Standard variable APR will apply after promotional period; Maximum credit amount is $25,000; Cash advance fees do apply; Some other fees may apply
No additional details provided.
Intro rate expires: 9 months; Regular APR: N/A
Introductory rate
Introductory APR until February 28, 2027. Promotional Period for Introductory APR: The introductory APR for purchases, balance transfers, and cash advances will apply to transactions posted to new and existing credit card accounts from 9/1/2026 until 2/28/2027. Any existing balances on Knoxville TVA Employees Credit Union loan or credit card accounts are not eligible for the Introductory APR. The repayment period for purchases, balance transfers, and cash advances made during the introductory rate period will expire 2/29/2028. Any remaining balance as of 3/1/2028 will revert to the current applicable credit card rate. Rate subject to change without notice and based on creditworthiness. If interest is charged, the charge will be no less than $1.50. View full credit card disclosure at tvacreditunion.com/credit-card-disclosure .
up to $10,000.00; As low as
Balance transfer fee: 3.0% on the transfer amount; Regular APR: 6% - 8% lower than industry average
No additional details provided.
APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.; APR range: 5.14% - 17.99%
Intro/promo APR: 4.99%; Intro rate expires: 01/31/2028; Regular APR: 5.49% - 13.49%
As Low As; Rates updated 09/11/2026
As Low As; Annual Percentage Rate
Intro APRs
Balance transfer special - 9 months; Offer available from July 1, 2026 - September 30, 2026. Contact a credit union representative today to find out how to apply!
As Low As
Balance transfer rate
Finance charges imposed beginning on day of cash advance.
RATES AS LOW AS 5.99%
As Low As
No additional details provided.
Intro rate expires: 12 billing cycles; Regular APR: variable, won't exceed 18.00%; Balance Transfer Fee: 3%
No additional details provided.
No additional details provided.
Rates range from 6.00% to 11.50%
Intro APR: 0.00% for 12 months; Intro rate expires: 12 months; Balance transfer fee: 3.0% on the transfer amount; Regular APR: 6% - 8% lower than industry average
+2.00% above Share Savings Dividend Rate*
+2.00% above Share Savings Dividend Rate*
As low as; *
Regular APR: 6.0%
Regular APR: 14.65%
Regular APR: 10.65%
Transaction must post between 7/1/26 - 9/30/26. Will Revert to normal rate 10/1/2027.
Credit card disclosures are available on our website at https://www.brazosstarcu.com/cards/visa-credit-cards/. Not all applicants may qualify for the lowest rate.
No additional details provided.
No additional details provided.
$5,000 - $30,000; Intro/promo APR: 4.99%; Intro rate expires: 90 days; Regular APR: Prime Rate + 6.65% (not to exceed 18.00%); Prime Rate as of 08/31/2026 is 6.75%
Same low rate for purchases, cash advances, and balance transfers; $5,000 maximum credit limit; No annual fee; No balance transfer fee
Regular variable APRs, subject to change. Credit history, loan terms, and the amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. Prime Rate is 6.75% APR as of 01/01/2026. 4.00% over savings dividend rate.
No additional details provided.
Intro/promo APR: 1.99%; Intro rate expires: 12 months; Regular APR: 6.74% APR and 18% APR
Current Prime rate
As Low As
As Low As
As Low As; Please contact one of our friendly Member Service Representatives for more details. We offer a 0.25% rate discount on new and used vehicle loans when 20% cash down is made (the First-Time Buyer program is exempt from the discount).
Equals Prime Rate
APR - Annual Percentage Rate. Cards are subject to credit approval and rate may vary depending on credit. CPM Federal Credit Union reserves the right to change any of the above credit card rates at any time. The APR will vary based on overall credit and other underwriting criteria. Discontinued products APR will vary and with the market based on the Prime Rate. **Visa Share secured loans must be secured by CPM subshare account. The required pledge amount will be $100.00 greater than the Visa limit requested. Minimum required Visa limit of $400.00. Prime Rate as of 12/12/25 = WSJ rate is 6.75%
Introductory APR: 1.99% for 12 months; Regular APR: 6.75%
Variable Rate
No additional details provided.
As Low As
Intro APR: 0.00%; Intro rate expires: 12 months; Regular APR: 6.75%
APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.; APR range: 6.85% - 17.99%
No additional details provided.
purchase and cash advance APR
50% Lower than the national average
Annual fee $0.00; Credit line $5,000.00 to $25,000.00; Due date At least 21+ days after billing cycle close; Late payment fee Up to $20; Over the credit limit fee $0.00; Foreign transaction fee 1% of each transaction in U.S. dollars; Balance transfer fee $0.00; Cash advance fee $0.00; Rewards program No
As Low As
OAC; Periodic Low-rate Balance Transfer specials; NO ANNUAL FEE
No additional details provided.
As Low As
No additional details provided.
No additional details provided.
No additional details provided.
Receive a rate as low as 6.90% APR*, along with a spending limit that reflects your credit history. With no annual fee, this card costs nothing to keep around. Easily access your credit line when you need. Up to $500 per day. Save by transferring balances from your high-rate card to your GCCU VISA Credit Card. Conveniently access your account 24/7. Make payments and more at DX Online.
APR range: 6.90% to 18.00%
No additional details provided.
Helps establish or rebuild your credit. Low fixed rate of 6.9%. All the same great benefits as a Platinum Mastercard! Limit up to $25,000.
As Low As; Loan-to-Value: ; Regular APR: 6.90%
No additional details provided.
No additional details provided.
No additional details provided.
As low as
No additional details provided.
As Low As
As Low As
based on creditworthiness
based on creditworthiness
Intro rate expires: N/A; Regular APR: N/A; Fixed 6.99% APR (Annual Percentage Rate) for purchases, 25-day Grace Period for purchases. No annual fee. Limit determined by loan officer/loan committee. Please see your Secured VISA disclosure or call (330) 825-2455 for more information.
Up to $1,000
Intro rate expires: life of balance transfer; Regular APR: 5.00%
As Low As
As Low As; *
No additional details provided.
No Fees
Intro/promo APR: 3.99%; Term: (For Life of Balance Transfer); Intro rate expires: For Life of Balance Transfer; Regular APR: 6.99% - 29.99%; *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.
As Low As; *Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Intro rate expires: 9 months; Regular APR: N/A
No additional details provided.
Intro/promo APR: 3.99%; Intro rate for 12 months; Regular APR: 6.99%
max. loan amount $20,000
max. loan amount $20,000
As Low As;*
No additional details provided.
As low as
No Annual, Cash Advance, Over Limit or Balance Transfer fees All Cash Advances have 7% APR
Rate based on credit-worthiness; You set your own credit limit with a deposit to your SouthPoint FCU Regular Savings account.
Your APR will be a fixed rate based on your credit score. You will be informed of the APR for which you qualify before you become contractually liable for the account.
A card with purpose. When you swipe, we donate. - 7.17% APR for life on purchases and balance transfers made in the first 90 days* - No annual fee, cash advance or balance transfer fees *Learn more
Fixed rate; No annual fee; 25-day finance charge grace period on purchases; Same low rate for purchases, balance transfers, and cash advances.
May qualify for up to two times gross monthly income.
As Low As
No Annual Fee; Spending Flexibility with Fraud Protection; Local Service at your nearest MCCU branch; Free Online Banking and Free Access to Fraud & Spend Tracking through card management tool within Mobile Banking
Special limitations apply on all terms and rates, please contact the credit union for more information.
No additional details provided.
FIXED RATE; NO ANNUAL FEES; no extra fees or charges for balance transfers; Enjoy uChoose Rewards (including CASH BACK*) with 1x points. Contactless Payments: Our new cards are equipped for "Tap to Pay."
As Low As
As Low As
As Low As;*
Rates as low as 7.5%, depending on credit.
Purchases; APR range: 7.50% - 16.75%
Non-variable Rate
No additional details provided.
Intro rate expires: N/A; Regular APR: 7.50%
Determined by the amount member designates to be secured from the savings or certificate account
As low as 7.74%
As low as 7.74%
As low as 7.74%
As low as 7.74%
No additional details provided.
No additional details provided.
Present rate - variable rate subject to change semi annually at prime + 1.00%
Introductory APR: 1.99% for 12 months; Regular APR: 7.75%
Introductory APR: 1.99% for 12 months; 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%.
No additional details provided.
APR = Annual Percentage Rate; All Rates & Terms are subject to change without notice.; Beacon Federal Credit Union will provide written disclosures before or at time covered borrower becomes obligated on a transaction. The written disclosures will contain the following: MAPR description applicable to the extension of credit; Any disclosures required by Regulation Z; A clear description of the payment obligation; Disclosures will be given in writing. In addition, Beacon Federal Credit Union will provide the disclosures verbally in person or provide a toll-free telephone number.; APR range: 7.89% - 17.99%
As Low As
Funds will be held in share account
Minimum Credit Limit: $5,000; Maximum Credit Limit: $20,000; Minimum Payments: The minimum payment for all programs is the greater of $10 or 3.0% of the outstanding balance.; Annual Fee: NO FEE; Grace Period for Purchases: Twenty-five (25) days; Method of Computing the Balance for Purchases: Average daily balance (including new transactions); Late Fee: 5% of the past due amount with a minimum charge of $5, or the amount of the required minimum payment: Not to exceed $25.; Over Limit Fee: $20 for each payment period account balance exceeds the credit limit.
Regular APR: 7.90% APR*
Actual rate will be determined by your Experian FICO 2 Credit Score.
As Low As
max $15,000 *****
As Low As
No additional details provided.
Rates as low as 7.9%*
No additional details provided.
No additional details provided.
No additional details provided.
No Annual Fees, No Balance Transfer Fees, No Cash Advance Fees
As Low As
Credit Score: 680+
Rate as low as
Fixed rate; No introductory rate or annual fees; Maximum credit card amount offered is $20,000; Monthly minimum payment is only 2% of the outstanding balance
Term: Rate varies depending on card; Rates below are based on a credit score of 730 or higher. Lower rates may apply for terms less than 60 months.
Rate subject to change.
Balance: $5,000 minimum credit balance; Earn REWARDS on your purchases with choices from 1% cash back, gift cards, merchandise, and more.
Regular APR: 9.90%
As Low As; Final rates subject to credit worthiness.
As Low As
Introductory rates are good for 12 months on transactions posted within 30 days from the date that your new account is opened. After this introductory period, your new rate will be the standard variable APR. (See cardholder agreement for details.)
As Low As; Borrow up to $40,000.00 for personal needs
No additional details provided.
As Low As; No annual fees; No Balance transfer fees
$500-$7500; FIXED
Fixed rates starting at
As Low As
As Low As; Rates, terms, and conditions subject to change without notice. No annual fee. No transaction fee on balance transfers (interest accrues from the day of the advance). uChoose Rewards Program.
As Low As; Rates, terms, and conditions subject to change without notice. No annual fee. No transaction fee on balance transfers (interest accrues from the day of the advance). uChoose Rewards Program.
As Low As; Credit card limit is secured by savings deposit to help member re-establish credit. Rates, terms, and conditions subject to change without notice. No annual fee. No transaction fee on balance transfers (interest accrues from the day of the advance). uChoose Rewards Program.
As Low As
Fixed rate remains the same no matter how the card is used. No cash advance fees. For credit scores of 700 or more.
As Low As
Determined by account funds
As Low As; Annual Percentage Rate
Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. Any existing balances on United Financial Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers. 3.00% cash back on Travel and 2.00% cash back on Dining and Gas - these specials are valid for a limited time. Regular APR: 1.00% everything else
As Low As; Annual Percentage Rate
No additional details provided.
Intro rate expires: 9 months; Regular APR: N/A
No additional details provided.
As low as 7.74%
Introductory APR: 1.99% for 12 months; Regular APR: 7.75%
Bring Us Your Balance
As Low As; *Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Introductory period
As Low As; Annual Percentage Rate
As Low As; Reduce High-Interest Debt Consolidate balances at a rate that's 3% lower than your approved Salt City rate for the life of the balance. Subject to 1% balance transfer fee. Simplified Payments Make managing debt easier with one convenient payment.
Life Is Expensive Enough. Create Some Breathing Room.
Balance Transfer
Rate for the life of the transfer balance; Any new purchases or advances using your Central Maine Federal Credit Union card would be at a low 9.90% APR
No additional details provided.
Balance transfer fee: 3.0% on the transfer amount; Regular APR: 6% - 8% lower than industry average
Intro/promo APR: 4.99%; Intro rate expires: 01/31/2028; Regular APR: 5.49% - 13.49%
As Low As; Annual Percentage Rate
Intro APR: 0.00% for 12 months; Intro rate expires: 12 months; Balance transfer fee: 3.0% on the transfer amount; Regular APR: 6% - 8% lower than industry average
based on creditworthiness
No Fees
Intro/promo APR: 3.99%; Term: (For Life of Balance Transfer); Intro rate expires: For Life of Balance Transfer; Regular APR: 6.99% - 29.99%; *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.
Introductory Annual Percentage Rate (APR*) for Purchases. Variable rate - Click here for current rate
Introductory APR until February 28, 2027. Promotional Period for Introductory APR: The introductory APR for purchases, balance transfers, and cash advances will apply to transactions posted to new and existing credit card accounts from 9/1/2026 until 2/28/2027. Any existing balances on Knoxville TVA Employees Credit Union loan or credit card accounts are not eligible for the Introductory APR. The repayment period for purchases, balance transfers, and cash advances made during the introductory rate period will expire 2/29/2028. Any remaining balance as of 3/1/2028 will revert to the current applicable credit card rate. Rate subject to change without notice and based on creditworthiness. If interest is charged, the charge will be no less than $1.50. View full credit card disclosure at tvacreditunion.com/credit-card-disclosure .
As low as 7.74%
Credit Card Rate Trends
Weekly average APRs, compiled from 8,500+ banks & credit unions, updated nightly.
Standard Credit Card rates rose 0.058 points this week to 11.770%, up from 11.712% last week.
Cash Back Card rates fell 0.163 points this week to 13.649%, down from 13.812% last week.
Credit Card Rate Trends
Weekly average APRs. Hover to see exact rates for each week.
Credit Card Rate Forecast, Next 12 Months
Most credit card APRs are variable and tied directly to the prime rate, which moves in lockstep with the federal funds rate. Our model projects the likely path of card averages from the current national figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; variable-rate cards reprice within one to two billing cycles of any prime rate change, passing increases through nearly one-for-one.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
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 11.77%, 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 | $9.81 | 5 mo | $25 |
| $2,500 | $24.52 | 11 mo | $144 |
| $5,000 | $49.04 | 1 yr 11 mo | $593 |
| $10,000 | $98.09 | 4 yrs 4 mo | $2,759 |
| $15,000 | $147.13 | 7 yrs 7 mo | $7,743 |
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 11.77% 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 4 mo | $4,155 | — |
| Fixed $150 every month | 3 yrs 5 mo | $1,085 | $3,070 |
| Fixed $250 every month | 1 yr 11 mo | $593 | $3,562 |
| Fixed $400 every month | 1 yr 2 mo | $360 | $3,795 |
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 VAPR Federal Credit Union. 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
- VAPR Federal Credit Union: 1.99% APR (Mastercard)
- GFA Federal Credit Union: 1.99% APR (Cash Back Credit Card)
- San Mateo Credit Union: 1.99% APR (Credit Cards)
- Greater Niagara Federal Credit Union: 2.34% APR (VISA Balance Transfer)
- First Capital Federal Credit Union: 2.99% APR (Visa Platinum Credit Card)
Credit Card Calculators
