Best Credit Card Rates & Offers - October 2026 | As Low as 3.50% APR
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Star Ratings
- Finance Calculators
Credit card rates range from 3.50% to 20.92% APR, verified by MonitorBankRates as of October 27, 2026. Current competitive credit card options include: Northeastern Operating Engineers Federal Credit Union's Visa Credit Card has an APR of 3.99%, Midwest America Federal Credit Union's Credit Builder has an APR of 4.05%, First National Bank of Omaha's Unsecured Rate has an APR of 4.20%, Oxford Federal Credit Union's Secured VISA Credit Card has an APR of 4.90%, and North Memorial Federal Credit Union's VISA Lifestyle has an APR of 4.90%. Credit card rates as of October 27, 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: October 27, 2026
Credit limit: $15,000
$5,000; As Low As; Max. amount $5,000; Rates effective 10/1/26
Fed Funds Borrowed; As of September 16, 2026 FOMC Meeting
As Low As; Share Secured VISA
Rate shown without column label; rates effective as of 05.01.2026
No additional details provided.
Credit card; No Cash-Advance Fees; No Balance Transfer Fees; No Currency Conversion Fees
Credit card; No Cash-Advance Fees; No Balance Transfer Fees; No Currency Conversion Fees
Intro rate expires: 6 months; Regular APR: 4.95% up to 17.90% based on creditworthiness when you open your account; APR varies with the market based on the Prime Rate; Applies to purchases, balance transfers, and cash advances
Published APR range: 4.99% to 7.99%. Intro rate expires: 6 months; Regular APR: 4.99% to 7.99% fixed; Balance transfer intro APR: 2.99% until 6 months, then 4.99% to 7.99% fixed; Cash advance APR: 4.99% to 7.99% fixed; Penalty APR:; Minimum interest charge: $1.00
Payment based upon balance; secured Visa secured by Credit Union shares; maximum credit limit $10,000; lower limits may be applicable; $25.00 annual fee
As Low As; APR* as low as
Credit Tier: Share Secured; Visa Credit Cards secured with funds in account (share secured) will be given the lowest rate offered. If funds on hold are released, rate will adjust to qualifying rate.
- Oct 23, 20265.99%▼ from 8.25%
- Oct 15, 20268.25%▲ from 5.99%
- Oct 12, 20265.99%▼ from 8.25%
- Sep 17, 20268.25%first recorded
As Low As; RATES AS LOW AS 5.99%
As Low As; Up to 5.99% Annual Percentage Rate; Variable rates based on prime plus index; APRs will never be higher than 18%
Visa Credit Card; Standard APR
As Low As
Score: Army/Military; Limit: not stated
No additional details provided.
As Low As; Rates range from 6.00% to 11.50%
Annual Percentage Rate (APR) per Loan Rates page
Interest rates range from 6.49% APR to 11.99% APR for qualified borrowers; Not all applicants may qualify for the lowest rate; Credit card disclosures at https://www.brazosstarcu.com/cards/visa-credit-cards/
No additional details provided.
Fixed rate; Other Loans
As Low As; Adventure Loan Rates
As Low As; Fixed rates for purchases, cash advances, and balance transfers; No annual fee; No balance transfer fee; $5,000 maximum credit limit
Intro/promo APR: 1.99%; As Low As; Intro rate expires: 12 months; Regular APR: 6.74% - 18%
APR range: 6.74%+Index; Rate: 6.74%+Index (variable, may change based on Index rate, Prime rate as published in the Wall Street Journal); Maximum APR is 18% on Credit Cards
APR range: 6.75% to 18.00% based on creditworthiness, shown when account is opened; No annual fee; Balance Transfers: 6.75% to 18.00% based on creditworthiness; Cash Advances: 6.75% to 18.00% based on creditworthiness
Intro/promo APR: 1.99%; As Low As; Intro rate expires: 12 months; Regular APR: 6.75%
Rate: PRIME + 0%; Variable; Changes quarterly on the 1st of Feb, May, Aug, and Nov. Based on Prime Rate with a floor of 3.00% and ceiling of 18.00%. Effective Date: August 3, 2026
No additional details provided.
Purchase and cash advance APR; VISA Credit Card Program
Featured rate
As Low As; Unsecured Visa rate determined by credit score; maximum APR 17.9%; No annual fee, cash advance fee or balance transfer fee; Bonus: $150 cash back when you open an OFCU Visa credit card and use it
As Low As; Rate determined by credit score; maximum APR 17.9%
As Low As; Homepage featured rate
Published APR range: 6.90%-17.90%. As Low As; Rates based on credit score. No annual fees. No cash advance fees. No balance transfer fee. Your actual APR may differ based on credit history.
As Low As; Rates Start at 6.9% APR, Based on Credit Score; Classic VISA and Platinum VISA
Published APR range: 6.90% to 16.40%. Visa Credit Card; rate determined by creditworthiness; minimum monthly payment is greater of $20 or 3% of outstanding balance
Revolving; Rate range: 6.90% - 16.90%
APR range: 6.90% to 16.99%; Effective as of: 06/30/2026
Purchases APR; Balance Transfer APR: 6.90%; APR is the Annual Percentage Rate when you open your account, based on creditworthiness
Published APR range: 6.9%-12.90%. Fixed APR for purchases, based on creditworthiness; APR for balance transfers and cash advances also fixed 6.9%-12.90%; Grace period 25 days when paid in full by next statement date; No annual fee; Balance transfer fee; Cash-advance fee; Late fee up to $28 (10 or more days late)
No additional details provided.
Low fixed rate of 6.9%; Helps establish or rebuild credit; Limit up to $25,000
As Low As; Low fixed rate with a spending limit based on credit history; rate based on creditworthiness and term of loan
As Low As
APR range 6.90% to 18.00%; Revolving
No additional details provided.
No additional details provided.
APR* (as low as); APR is the Annual Percentage Rate; risk-based, range disclosed may apply; Effective Date: 3/1/2026
As Low As; Credit Card; All rates given in ANNUAL PERCENTAGE RATE; Depending on your credit history
APR range: 6.90% to 18.00%; Loan rates determined by credit history and term of the loan
As Low As; Always Low Rate - 6.9% APR; No Annual Fees; No Cash Advance Fees; No Balance Transfer Fees; No Transaction Fees; 25-Day Interest Free Grace Period
APR range: 6.90% - 18.00%; APR varies depending on FICO score, vehicle year model, and term of loan
As Low As; VISA Credit Card
As Low As; VISA Credit Card
As Low As; Loan Limits: $300 - $25,000; Terms: n/a; Base APR
As Low As; Loan Limits: $300 - $25,000; Terms: n/a; Base APR
Published APR range: 6.99% to 21.99%. Intro rate expires: 6 months; Regular APR: 6.99% to 21.99% fixed; Balance transfer intro APR: 2.99% until 6 months, then 6.99% to 21.99% fixed; Cash advance APR: 6.99% to 21.99% fixed; Penalty APR:; Minimum interest charge: $1.00
APR Fixed Rate; Limits: Up to $1,000; Minimum credit line $250.00; $10.00 Annual Fee
As Low As; Credit Grade: A+; All rates are annual percentage rates (A.P.R.)
As Low As
No additional details provided.
As Low As; interest rates starting as low as around 6.99% APR, depending on creditworthiness; Rewards: Bonus Points on net retail purchases redeemable through Scorecard Rewards; No balance transfer fee
Published APR range: 6.99% - 11.99%.
As Low As; APR as low as* (disclosures not included in source)
As Low As; Annual Percentage Rates as low as 6.99% to 18.00%; Approval & rate based on creditworthiness
No additional details provided.
Published APR range: 7.0% to 17.5%. Type: Revolving; No annual fee; APR is based on creditworthiness
As Low As; Rates effective as of 9/1/26
Equals Prime Rate; Based on prime; Credit Card Rates
- Oct 4, 20267.00%▲ from 6.75%
- Sep 12, 20266.75%first recorded
As Low As; Secured Student Visa credit card; Rates Effective Starting: 10/01/26
- Oct 9, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Secured Visa credit card; Rates Effective Starting: 10/01/26
- Oct 9, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Variable Rate
- Oct 5, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Credit card APR is a fixed rate based on credit score; APR = Annual Percentage Rate
Cash Back 1%; Credit limit based on secured funds from savings account; Cash Advance Fee:; Annual Fee:
Secured card; requires funds equal to the credit limit deposited and held in SouthPoint Regular Savings Account
Rate based on credit-worthiness; Annual Fee: $0; Credit limit set by deposit to SouthPoint FCU Regular Savings account
Variable rate credit card; Rate is equal to Prime Rate; With Approved Credit
- Oct 6, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
APR range: 7.00% - 11.00%; Term: N/A; with applied discounts; Contact your Loan Officer for full details
Common rate; call 605-342-7776 to find out if you qualify for lowest APR
Fixed rate for purchases, balance transfers, and cash advances; no annual fee; 25-day finance charge grace period on purchases; ScoreCard Rewards points earned on every purchase
May qualify for up to two times gross monthly income.
As Low As; Credit card; Annual percentage rates (APRs) stated here are "as low as". Your actual APR will be determined by your credit qualifications.
As Low As; APR range 7.45% to 17.99%; Credit Cards > Visa Products; Last Updated: 10/01/2026
- Oct 5, 20267.45%▲ from 6.70%
- Sep 14, 20266.70%first recorded
APR range: 7.45% - 18%; No Annual Fee; Local service at nearest MCCU branch
No additional details provided.
Fixed rate; no annual fees; no balance transfer fees; uChoose Rewards (1x, including cash back)
As Low As; Rates based on evaluation of credit history
- Oct 23, 20267.50%▼ from 10.00%
- Oct 4, 202610.00%▼ from 19.99%
- Sep 16, 202619.99%first recorded
As Low As; Term: Fixed rate; Effective as of January 1, 2026
As Low As; Other Loan Products
As Low As; Rates as low as 7.5%, depending on credit.
Non-variable Rate
As Low As; Regular APR: 7.50%
Credit limit: determined by the amount member designates to be secured from the savings or certificate account; Deposit required: Yes; Recommended for: Anyone, designed for members with challenged credit history, or for members interested in establishing or rebuilding credit history
APR range: 7.50% - 16.75% (Purchases, Balance Transfer, Cash Advances); Penalty APR:; Rates based on creditworthiness; accurate as of 10/19/2026
Intro/promo APR: 6.99%; As Low As; Intro rate expires: 6 payment cycles; Regular APR: 7.74% - 15.74%; Balance Transfer APR: 13.74% - 19.74%; Cash Advance APR: 15.74% - 21.74%; Earn 2% cash back on all purchases, plus 3% in select categories
- Oct 19, 20267.74%▼ from 13.74%
- Oct 14, 202613.74%▲ from 10.99%
- Oct 10, 202610.99%first recorded
As Low As; Variable Rate; Annual Percentage Rate as low as
As Low As; Rates effective 10/31/2022
Present rate - variable rate subject to change semi annually at prime + 1.00%
Intro/promo APR: 1.99%; As Low As; Intro rate expires: 12 months; Regular APR: 7.75%
Intro/promo APR: 1.99%; As Low As; Intro rate expires: 12 months; Regular APR: 7.75%
As Low As; Unsecured Home Improvement Loans
- Oct 10, 20267.75%▼ from 8.50%
- Sep 14, 20268.50%first recorded
APR range: 7.75% - 13.75%; Card APR range: 7.75% to 13.75%; Visa credit card; Monthly payment per $1,000: 2.50% of current balance (not a rate)
As Low As; Rates as low as 7.75 APR; business unsecured lines of credit; membership qualifications apply
As Low As; Rates effective as of: October 23, 2026; Consumer Lending Rates, stated as Annual Percentage Rates (APR)
No annual fee
As Low As; Unsecured Loans
Maximum Financed: $10,000; Comments: Funds will be held in share account
APR for Purchases and Cash Advances; Minimum Credit Limit: $5,000; Maximum Credit Limit: $20,000; Annual Fee: No fee; Grace Period for Purchases: 25 days; Balance computed by average daily balance (including new transactions); Late Fee: 5% of past due amount, minimum $5, not to exceed $25; Over Limit Fee: $20 per payment period balance exceeds credit limit; Free Additional Benefits: Rental Car Collision Damage, $1,000,000 Travel Accident Insurance, Concierge program, $1,000 ID Theft Protection, Purchase Security & Extended Protection
Visa Credit Cards
Range: 7.90% - 17.90%; Effective: February 1, 2025
Actual rate determined by Experian FICO 2 Credit Score
Fixed rate; Term: Revolving (no set term, closed upon member request); Fees: Interest only; Payments: 3% of balance (min. $20); Access to Funds: Held until loan is paid off
Published APR range: 7.90% - 16.90%. Max $15,000.00
As Low As; Fixed rates as low as 7.90% APR; up to $15,000 credit limit; no annual fee
APR for Purchases, Balance Transfers and Cash Advances; Limits: $500-$50,000; Penalty APR:
Limits: $500-$50,000
As Low As; Maximum Amount: $20,000
As Low As; Rates and terms are subject to qualifications and creditworthiness and may vary by term
Rates Effective 10/01/2026; All rates are APR
- Oct 12, 20267.90%▲ from 7.00%
- Oct 8, 20267.00%▼ from 7.90%
- Sep 12, 20267.90%first recorded
Rate range: 7.90% to 17.90% APR
$15,000.00 and under; Rate is based on your individual credit score
As Low As; Rewards Card: No Rewards; Annual Percentage Rate (as low as)
Visa Credit Card; Minimum monthly payment for all credit card types is 2% of the outstanding balance or $15, whichever is greater
Max $15,000; 1% Foreign Transaction Fee; Variable rate applies; Must be a member of Cornerstone Community
As Low As; Featured Rate
Credit Amount: $10,000 - $30,000; No Annual Fee; Variable rate, Prime-based (see footnote)
No annual, balance transfer, or cash advance fees
As Low As; Personal Loan Rates
As Low As
Credit Score: 680+
As Low As; Fixed rate for retail purchases or cash advances; No introductory rate or annual fees; Monthly minimum payment is 2% of outstanding balance; Maximum credit card amount $20,000 with 36 month term; Rewards Points
Credit Rating: A+
As Low As; Rate varies depending on card
As Low As
Minimum credit balance: $5,000; Earn REWARDS on purchases with choices from 1% cash back, gift cards, merchandise, and more; Twenty-five day grace period for purchases
With approved credit
APR as low as; Credit card
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
Credit card; purchase and cash advance APR
Visa Card Options; Designed for limited/no credit or credit rebuilding
As Low As; APR range 7.90% - 16.90% determined by credit worthiness
As Low As; No annual fees; No balance transfer fees
$500-$7500; Rate range: 7.90% - 9.90% APR FIXED
Fixed rate; No annual fee; No balance transfer fees; Earn Score Card Rewards points; Proof of income required on new applications or line of credit increase requests
Rates as low as 7.90%; Intro rate as low as 3.90% for 6 months; Reward points on every purchase; Use anywhere Visa is accepted
APR range 7.90% - 12.90%
Published APR range: 7.9%-13.9%. APR for Purchases, Balance Transfers and Cash Advances; Non-Variable Rate dependent on your creditworthiness; Rewards:; Balance Transfer Fee:; Cash Advance Fee:; Annual Fee:; Minimum Interest Charge: $0.00; Foreign Transaction Fee: 1% of each foreign transaction in U.S. Dollars; Late Payment Fee: Up to $15.00; Returned Payment Fee: Up to $15.00
As Low As; Rate/APR as low as
As Low As; Rate/APR as low as
As Low As; Credit card APR (APR as low as column); Rates as of October 26, 2026
As Low As; Rate as low as 7.9%; APR; credit card; rate depends on credit history and term
Based on Credit Score; rate range 7.90% - 16.00%
APR* (as low as); APR is the Annual Percentage Rate; risk-based, range disclosed may apply; Effective Date: 3/1/2026
Credit Rating: A; Required $2,000 minimum limit
As Low As
As Low As; Must qualify for the lowest rate
As Low As; Rates as low as 7.90%* APR for credit cards (VISA Platinum, VISA Classic, VISA Secured); APR = Annual Percentage Rate, subject to change without notice
As Low As; Other Loans
As Low As; Depending on your credit you can get as low as 7.9%
As Low As; Effective Date: October 1, 2026
Published APR range: 7.90% - 13.90%. As Low As; APR range 7.90% - 13.90% for purchases, cash advances and balance transfers; Grace period for purchases: 25 days; Annual fee:; Credit lines starting at $500
As Low As
As Low As; Visa Disclosure table; footnote 1: must be a qualified borrower who meets certain credit criteria to receive the APR as low as 7.90%
As Low As; Based on credit rating; Credit limits from $500 - $25,000; Special limitations apply, contact the credit union
Regular APR: 7.95%; Cash Advance APR: 7.95%; Balance Transfer APR: 7.95%; Grace period for purchases: 25 days; No grace period for cash advances; Annual fee:; Late payment fee: $25.00; Over the credit limit fee: $25.00; Card replacement fee: $10.00; PIN replacement fee: $2.00; Disclosure as of 02/23/2010
As Low As; Credit limit up to $25,000; No Annual Fee; Preferred rate requires FICO score of 720 or above
Published APR range: 7.99%-15.99%. Based on credit rating
Score: A+, A, B; Fixed rate; No annual or cash advance fees; No membership/participation fee
Regular APR: 7.99% - 16.99%; APR on Balance Transfers: 7.99% - 16.99%; APR on Cash Advances: 9.99% - 17.99%; Annual Fee:; Rates Effective: January 1, 2026
Credit Grade: A; All rates are annual percentage rates (A.P.R.)
- Oct 12, 20267.99%▲ from 6.99%
- Sep 25, 20266.99%first recorded
As Low As; Minimum Loan Amount: $500.00 - $40,000.00; Rates effective as of 04/21/2025; Platinum Rewards MasterCard subject to annual fee of $35.00
As Low As; Repayment is 2% of the balance owed; 25-day grace period on all purchases; worldwide acceptance
Revolving / up to $50,000
Rates effective as of 11/17/2023
As Low As; Rates effective as of 11/03/2025
As Low As
Purchase APR range: 7.99% to 15.99%, based on creditworthiness; Balance Transfer APR: 7.99% to 15.99%; Cash Advance APR: 7.99% to 15.99%; Balance Transfer Fee: $5.00 or 3.00% of each balance transfer, whichever is greater; Cash Advance Fee: $5.00 or 3.00% of each cash advance, whichever is greater; Foreign Transaction Fee: 1.00%; Late Payment Fee: up to $29.00; Returned Payment Fee: up to $25.00; Secured card for California borrowers; Disclosure accurate as of September 02, 2021
Annual Percentage Rate as low as; Rates Effective 10/22/2026
Regular APR: 7.99% - 14.99% for purchases; Cash Advance APR: 7.99% - 14.99%; Balance computed by Average Daily Balance (including new purchases); Maximum credit limit $15,000; Annual fee:; Transaction fee for purchases:; Late payment fee: $20.00; APR determined by creditworthiness
Purchase APR range: 7.99% - 14.99%; Cash Advance APR: 7.99% - 14.99%; Method of Computing Balance for Purchases: Average Daily Balance (Including new purchases); Maximum Credit Limit: $15,000; Annual Fee:; Minimum Finance Charge:; Transaction Fee for Purchases:; Late Payment Fee: $20.00; Over-the-Limit Fee:
As Low As; Rates effective as of 07/01/2025
As Low As; APR range 7.99%-15.74%
Card type: VISA Platinum Elite Rewards; APR*=Annual Percentage Rate
Credit limit: $5,000 to $7,500; No Annual Fee, No Balance Transfer Fee, Same Low Rate on Cash Advances
Score: 680-850; Limit: $9,500
Intro/promo APR: 3.99%; Intro rate expires: First Six Months; Regular APR: 7.99% fixed; No annual fee, no cash advance fee, 25-day grace period, low fixed rate
As Low As
As Low As; APR* featured on homepage promo card
Published APR range: 7.99% - 12.99%.
As Low As; Credit card; Rate based on creditworthiness; Member eligibility required
As Low As; Credit disclosure accurate as of 06/02/2025
As Low As; Fixed rate; NO annual fee, NO balance transfer fee, NO cash advance fee
As Low As; Loan rates updated & effective as of 2/18/2026. Subject to change without notice.
Loan effective 10/1/2026
As Low As; Unsecured Visa rate determined by credit score; maximum APR 17.9%; No annual fee, cash advance fee or balance transfer fee; Bonus: $150 cash back when you open an OFCU Visa credit card and use it
Published APR range: 7.0% to 17.5%. Type: Revolving; No annual fee; APR is based on creditworthiness
Cash Back 1%; Credit limit based on secured funds from savings account; Cash Advance Fee:; Annual Fee:
Fixed rate; no annual fees; no balance transfer fees; uChoose Rewards (1x, including cash back)
Intro/promo APR: 6.99%; As Low As; Intro rate expires: 6 payment cycles; Regular APR: 7.74% - 15.74%; Balance Transfer APR: 13.74% - 19.74%; Cash Advance APR: 15.74% - 21.74%; Earn 2% cash back on all purchases, plus 3% in select categories
- Oct 19, 20267.74%▼ from 13.74%
- Oct 14, 202613.74%▲ from 10.99%
- Oct 10, 202610.99%first recorded
Minimum credit balance: $5,000; Earn REWARDS on purchases with choices from 1% cash back, gift cards, merchandise, and more; Twenty-five day grace period for purchases
As Low As; APR* as low as 8.90% (promotional strip); 1% Cash Back on net purchases; No Annual Fee
As Low As; Fixed Rates. No Annual Fee. No-Fee Balance Transfers. No-Fee Cash Advances. Rates effective as of 09/01/2023.
Maximum Amount: $20,000; Min. Payment greater of 4% or $40
As Low As; Earn up to 1% Cash Back on purchases
- Sep 29, 20269.80%▲ from 8.49%
- Sep 14, 20268.49%first recorded
As Low As; Apply for a MasterCard Credit Card with 2% Cash Back
Published APR range: 9.90-16.90%.
As Low As; Fixed Rate Credit Card; Business card; Minimum limit is $200.00 unless part of a promotional program
As Low As; Maximum Loan and/or % of Purchase Financed: Min: $1,000; Number of Monthly Payments: Revolving
As Low As; Apply for our Cash Back Rewards Visa card with $0 balance-transfer fees and low 1.9% APR for 6 months.
Qualifying members who need a higher line of credit; no set-up, maintenance, or annual fees; 1% cash back via FB PowerPerks
Published APR range: 9.99% - 17.99%. APR on Balance Transfers: 9.99% - 17.99%; APR on Cash Advances: 11.99% - 17.99%; Annual Fee:; Earn up to 1% cashback on all qualifying Purchases, up to $250.00 per month; Rates Effective: January 1, 2026
APR for Purchases and Cash Advances; daily periodic rate 0.0278%; no annual fee; 25-day grace period; rewards program including cash back for statement credit
Value: up to $10,000.00; Footnote: VISA Silver and VISA Gold Cash Back Rewards APR not to exceed 17.99%; APR range: 9.99%, 11.99%, 13.99% or 17.99%**; RATE range: 9.99%, 11.99%, 13.99%, or 17.99%**
As Low As; Earn 1% cash back monthly on all purchases with a fixed rate and no annual fee
As Low As; Earn 2% cash back on all purchases
Variable APR on purchases; Limit: $25,000; Balance transfer APR: 10.74% Variable; Minimum payment: 3% of balance or $25; Grace period: 25 days; No annual fee; No balance transfer fee; Cash advance fee: 3%; Rewards: 1.5% cash back
- Sep 25, 202610.74%▲ from 10.49%
- Sep 16, 202610.49%first recorded
As Low As; APR range 10.90%-12.90%; cash back rewards on purchases
As Low As; 1.5% Cash Back on ALL purchases
As Low As; APR range: 10.90%-15.90%
As Low As; Fixed rates; CashBack rewards on every purchase; Travel Accident Insurance
Unlimited 1% Cash Back; Get Details about Visa Platinum Credit Cards
Published APR range: 10.99% to 17.75%. Standard Rate Purchases; Daily Periodic Rate: .030109% to .048630%; Late Fee: $25.00 if payment is 10 days or more past due; Return Check Fee: $24.00; 25-day grace period on all Visa accounts; Minimum monthly payment equal to 3% of balance or $18, whichever is greater
- Oct 1, 202610.99%▲ from 10.74%
- Sep 14, 202610.74%first recorded
APR based on Prime Rate; $35 annual fee; 1% cash back on all qualifying purchases with no spending tiers or minimums
Intro rate expires: first 7 billing cycles after account opening (0% APR on purchases and balance transfers); Regular APR: 11.25% APR based on Prime Rate, rates will vary based on the Prime Rate; $35 annual fee; 1% cash back on all qualifying purchases, no cap
Intro/promo APR: 2.99%; As Low As; Intro rate expires: 12 months; Regular APR: 11.40% VAPR
- Oct 26, 202611.40%▲ from 11.15%
- Oct 19, 202611.15%▼ from 11.40%
- Oct 13, 202611.40%▲ from 11.15%
- Sep 18, 202611.15%first recorded
Variable APR
APR by credit score (740+ 11.49%; 739-700 13.99%; 699-660 14.49%; 659-610 15.49%; 609-560 16.99%; 559 or below 18.00%); APR applies to purchases, cash advances and balance transfers; APR is based on creditworthiness at opening and then adds a margin to the Prime Rate; cash advances and balance transfers do not earn Unitus Rewards Points or Cash Back
As Low As; Variable APR; Balance Transfer and Cash Advance Rate: As Low as 11.49% APR Variable; Annual Fee:; Balance Transfer and Cash Advance Fee: 2% of the amount of each transaction (min $2.50); Benefits: Low variable rate, cash back on every dollar you spend
As Low As; APR* As Low As; Rates based on the Prime Rate as reported in the Wall Street Journal on the 20th day of the previous month
- Sep 29, 202611.74%▲ from 11.49%
- Sep 14, 202611.49%first recorded
Variable Rate: Prime Rate plus 4.74% currently 11.74% when you open your account based on your creditworthiness; No Cash Reward; No Annual Fee
As Low As; Term: Revolving; Maximum Line of Credit: $500.00 - $30,000.00
Qualifying members; no set-up, maintenance, or annual fees; 1% cash back via FB PowerPerks
As Low As; Earn Unlimited 2% Cash Back; Limited time: Earn Unlimited 3% Cash Back on qualifying purchases Nov. 1 through Dec. 31, 2026, reverts to 2% on January 1, 2027
As Low As; Credit disclosure accurate as of 06/02/2025
As Low As; Rates as low as 12.00% APR; 5.0% cash back on all purchases for first 90 days up to $5,000 spend; 1.5% cash back after 90 days; no annual fee
Visa Credit Card
No additional details provided.
View Details
As Low As; Highest APR 18.00%; Maximum APR 18%; APR based on Wall Street Journal Prime Rate plus a margin and varies with Prime; No Annual Fee; 1% cash back rewards
As Low As; Application: Apply Now; Earns 1% cash reward up to $200 per month on purchases; Credit subject to approval; Must qualify for membership
- Sep 22, 202612.00%▲ from 11.00%
- Sep 18, 202611.00%▼ from 19.99%
- Sep 14, 202619.99%first recorded
Fixed rate; no annual fees; no balance transfer fees; uChoose Rewards (2x, including cash back)
As Low As; Competitive rate as low as 12.25% APR; Variable rate; Earns cash back; Bonus cash offer $200; Same low rate for purchases, balance transfers and cash advances
- Oct 26, 202612.25%▲ from 10.25%
- Sep 22, 202610.25%▼ from 12.25%
- Sep 14, 202612.25%first recorded
No additional details provided.
As Low As; Purchase APR, variable; Earn 1.00% cash back with each qualifying net dollar spent; $0 annual fee for Farm Bureau entities; Designed exclusively for Farm Bureau organizations
Rewards: Up to 1.00% Cash Back on Eligible Net Purchases; Annual Fee:; Available to Farm Bureau organization customers only; Intro APR: N/A
As Low As; Low variable rate; 2% cash back on gas, grocery and dining; 1% cash back on everything else; No annual fee
Published APR range: 12.49%-18.00%. APR for Purchases, Balance Transfers, Cash Advances; Effective Date: 02.01.2026; Rates determined by credit history
As Low As; Variable Rate
Published APR range: 12.70% - 22.70%. APR Range; Variable rate: Prime Rate plus margin of 5.70%-15.70% for Rewards and Cash Back
As Low As; Earn 1.5% cash back on net purchases annually, credited to your Visa statement every April
As Low As; Min. Amount $500; Variable rate tied to prime rate, adjusted every year
Max APR: 23.74%; Maximum Credit Limit $30,000
APR range: 12.74% - 23.74%; Standard variable purchase/cash advance rate; Earn 1% cash back on all purchases; Rebate Eligible: Earn 10% on interest paid; Limits up to $30,000
Variable: Prime Rate + 6.00% to Prime + 14.00%; currently 12.75% - 20.75% APR; never exceeds 25.00% APR; 1.5% cash back on qualifying purchases
As Low As; Rewards card including cash back
As Low As; Fixed Rate Credit Card; Minimum limit is $200.00 unless part of a promotional program
Earn rewards or 1.5% cash back on purchases; Call or stop in to apply; APR will vary with the market based on the Prime Rate; No Annual Fee
- Oct 5, 202612.90%▼ from 19.99%
- Sep 25, 202619.99%▲ from 12.65%
- Sep 17, 202612.65%first recorded
Earn rewards or 1% cash back on purchases; APR will vary with the market based on the Prime Rate; No Annual Fee; No Balance Transfer Fee
- Oct 5, 202612.90%▲ from 12.65%
- Sep 17, 202612.65%first recorded
Intro/promo APR: 0.99%; As Low As; Intro rate expires: 6 months; Regular APR: 12.90% - 17.90%
- Oct 19, 202612.90%▲ from 12.65%
- Sep 21, 202612.65%first recorded
As Low As; Annual interest rates based on credit; 1% cashback on spending quarterly; 2% cashback on grocery purchases; no annual fees
Published APR range: 12.9-18.9%. APR for Purchases, Balance Transfers and Cash Advances; Non-Variable Rate dependent on your creditworthiness; Rewards: 1% Cash Back on all purchases; Balance Transfer Fee:; Cash Advance Fee:; Annual Fee:; Minimum Interest Charge: $0.00; Foreign Transaction Fee: 1% of each foreign transaction in U.S. Dollars; Late Payment Fee: Up to $15.00; Returned Payment Fee: Up to $15.00
As Low As; 1% cash back; Term: Revolving; Maximum: $60,000
Help them build credit; Card for teens ages 15 to 19; Must attend educational class to apply; Maximum limit of $300; 1% cash back reward on purchases
APR range: 12.90% - 17.90%; Rate Type: Fixed; Minimum Limit: $1,000; Annual Fee:; Purchase Fee:; Balance Transfer Fee:; Cash Advance Fee:; Rewards: at least 1% of net purchases, available in $25 increments; ECU sets fixed APR based on creditworthiness.
Non-Variable APR on purchases and cash advances; Earn up to 2% cash rewards on new purchases; Available credit line $5,000 - $15,000; Annual fee $20 per year
As Low As; APR based on evaluation of applicant's credit
- Oct 4, 202612.99%▲ from 12.74%
- Sep 16, 202612.74%first recorded
Published APR range: 12.99% - 18.00%.
As Low As; Fixed Rate
Intro rate expires: 6 months; Regular APR: 12.99%; Intro APR applies to purchases from date of account opening; 25-day grace period; No Annual Fee; 1% International Fee; $500 Minimum Credit Line; 1% Cash Back as Statement Credit
Published APR range: 12.99% - 21.99%. Intro rate expires: see footnote 3 (after introductory period expires, Variable APR 12.99% - 21.99%); APR for Purchases 12.99% - 21.99%; APR for Cash Advances 12.99% - 21.99%; Effective as of September 25, 2026; variable rate
- Sep 26, 202612.99%▲ from 12.74%
- Sep 14, 202612.74%first recorded
Published APR range: 12.99% - 18.99%. Non-variable; APR for Purchases, Balance Transfers, & Cash Advances; Effective Date: October 1, 2025
APR range: 13.00% - 23.50% (APR High: 23.50%); Same rates for cash advances and balance transfers. Earn 1.5% cash back with each purchase.
- Oct 10, 202613.00%▲ from 12.75%
- Sep 14, 202612.75%first recorded
As Low As; Rates as low as 13.15%-17.15% APR; credit limits beginning at $5,000; cash back rewards option
- Sep 22, 202613.15%▲ from 12.90%
- Sep 14, 202612.90%first recorded
Annual Percentage Rate based on Prime Rate; $79 annual fee; 1% cash back on all qualifying purchases up to $100,000 annually
APR range: 13.40%, 19.40% or 21.40% based on creditworthiness; Regular APR for Purchases, Balance Transfers and Cash Advances; varies with the market based on the Prime Rate; Annual Fee:; Earn 1% cash back on purchase transactions
As Low As; Competitive interest rates; 2% cash back on all purchases; free balance transfers
As Low As; 1% cash back on purchases; No annual fee; Rates effective as of 9/17/26
Regular APR by credit score: 740+ 13.49%; 739-700 15.99%; 699-660 16.49%; 659-610 17.49%; 609-560 18.00%; 559 or below 18.00%. Applies to purchases, cash advances and balance transfers. APR is based on creditworthiness at opening, then Prime Rate plus a margin. Cash advances and balance transfers do not earn Unitus Rewards Points or Cash Back.
As Low As; Variable Rate; WSJ Prime plus 7.00% to 17.00%; Earn 2.00% Cash Back for every $1 you spend; Credit limit $5,000 to $35,000; Grace period 27 days
- Oct 15, 202613.50%▲ from 13.25%
- Oct 12, 202613.25%▼ from 13.50%
- Oct 4, 202613.50%▲ from 13.25%
- Sep 16, 202613.25%first recorded
Published APR range: 13.50% - 24.00%. Intro rate expires: 6 months; Regular APR: 13.50% - 24.00% depending on your creditworthiness; Purchases intro APR applies from account opening; Balance transfers: 4.99% introductory APR for 12 months from account opening, then 15.50% - 26.00% APR depending on creditworthiness; Cash advances: N/A introductory APR, 15.50% - 26.00% APR depending on creditworthiness; APR will vary with the market based on the prime rate
APR range 13.50% - 23.99%; Variable APR based on Prime Rate (index plus margin); Credit limit up to $50,000; Earn 1.5% unlimited cash back on purchases; No Annual Fee, Cash Advance Fee, or Balance Transfer Fee
As Low As; Variable; Annual Fee:
- Oct 5, 202613.50%▼ from 13.75%
- Sep 14, 202613.75%first recorded
Published APR range: 13.74%-18.00%. Purchases, balance transfers and cash advances APR; APR may vary with the market based on the Prime Rate; APR will not exceed 18.00%; no annual fee; 2% cashback on all purchases, 3% on gas and groceries
- Oct 4, 202613.74%▲ from 13.49%
- Sep 14, 202613.49%first recorded
Published APR range: 13.74-18.00%. APR for Balance Transfers & Cash Advances: 13.74-18.00%
- Oct 1, 202613.74%▲ from 13.49%
- Sep 30, 202613.49%first recorded
As Low As; Intro rate 6.99% for 6 months from account opening on qualifying transactions; Regular APR: 13.74% - 21.74%, based on Prime Rate plus a margin
- Oct 14, 202613.74%▲ from 10.99%
- Oct 10, 202610.99%first recorded
As Low As; Last updated 02/01/2026
As Low As; APR varies with the Prime Rate and is subject to quarterly change
Variable APR; Business Credit Card
As Low As; Credit Card; rates based on credit bureau score, for members with excellent credit
APR range: 13.75 to 22.25% for MasterCard Cash Rewards based on creditworthiness; Cash advance APR: 13.75 to 22.25% based on creditworthiness; Rewards: 1.5 points on ALL purchases (100 points = $1; redeemable for cash back, merchandise, travel, events, gift cards and more); Grace period: 25 days; Annual fee:; Minimum finance charge: $0.50; Balance computation: Average daily balance method (excluding new purchases); Cash advance fee: $10.00 or 2% of advance, whichever is less; Late payment fee: $15.00; All rates are variable APR
As Low As; Variable APR; Revolving Account
Published APR range: 13.99 to 16.99%. Variable APR; Based on credit worthiness. Interest determined by credit rating and other underwriting factors.
As Low As; Variable APR
Variable APR for Purchases range: 13.99% to 22.99% when you open your account, based on creditworthiness, varies with the Prime Rate; Variable APR for Balance Transfers and Cash Advances: 22.99% when you open your account, varies with the Prime Rate; Penalty APR:; Minimum Interest Charge:; Balance Transfer fee: 3.0% of each transfer, $20 minimum; Cash Advance fee: 3.0% of each advance, $20 minimum; Foreign Transaction fee: 1%
Credit Score: 740+; Credit card APR for purchases and balance transfers; cash advances may be higher; APR calculated by adding a margin to the Prime Rate
As Low As; APR* Desde
As Low As; APR* As Low As
As Low As; Rate as Low as based on credit score; Cash Back Rewards, Student, and Secured Credit Builder available; different rates apply
As Low As; 1% cash back on all purchases; No annual fee; Free balance transfers; Perfect for racking up rewards with every swipe
Published APR range: 14.00% - 22.00%. Earn Rewards: 1% cash back on purchases; Variable APR based on creditworthiness, adjusts with Prime Rate; Annual fee: No Fee; Balance transfer: No Fee; Cash advance: No Fee; Late payment: Up to $20; Foreign transaction fee: 1.00% of each transaction in U.S. Dollars
- Sep 18, 202614.00%▲ from 13.75%
- Sep 14, 202613.75%first recorded
As Low As
- Oct 9, 202614.00%▲ from 13.75%
- Sep 14, 202613.75%first recorded
Published APR range: 14.40%-16.40%. APR varies with the market based on prime rate; some restrictions apply. Rates effective October 01, 2026.
- Oct 4, 202614.40%▲ from 14.15%
- Sep 16, 202614.15%first recorded
APR range: 14.40% - 17.40%; Variable Rate; Monthly Payment: the greater of 2% of the outstanding balance or $10
APR is variable and tied to the Wall Street Journal Prime Rate; Earn 1.00% Cash Back on Every Dollar; No Annual Fees; No Cap on Cash Back
As Low As; Visa Platinum Credit Card
APR range: 14.50% - 16.50%; Visa Credit Cards
APR range: 14.50% - 17.50%
- Oct 26, 202614.50%▲ from 14.25%
- Sep 14, 202614.25%first recorded
As Low As; Earn 1.5 points per $1 spent - redeem for cash back, merchandise, gift cards, travel, and more!
- Oct 12, 202614.65%▲ from 14.40%
- Sep 12, 202614.40%first recorded
Published APR range: 14.75% - 16.75%. Intro rate expires: 12 months; Regular APR: 14.75% - 16.75%; 0% APR* for 12 months on balance transfers. Balance transfers do not earn rewards.
Rate Type: Variable; Limit: up to $35,000
As Low As; Variable APR range 14.75%-18.00% for Purchases, Balance Transfers and Cash Advances; rate determined by credit score and creditworthiness; tied to the Prime Rate as published by the Wall Street Journal plus an index
APR by credit and risk score: Excellent 14.90%; Good 15.90%; Average 16.90%; Fair 17.49%; Marginal 17.90%; Low / No score 17.90%
As Low As; variable APR
- Oct 8, 202614.99%▲ from 14.74%
- Sep 14, 202614.74%first recorded
Variable APR
As Low As; Rate as Low as based on credit score; Cash Back Rewards, Student, and Secured Credit Builder available; different rates apply
As Low As; Lowest APR for purchases, balance transfers and cash advances; Annual Fee $0; Balance Transfer Fee $0; Cash Advance Fee $0; Foreign Currency Transaction Fee $0; Rates are variable based on the Prime Rate; Maximum rate is 18%
Intro rate expires: 7 billing cycles; Regular APR: 15.00% based on Wall Street Journal Prime Rate; Intro 0% APR on purchases after account opening; $35 annual fee; No cap on cash back, 1% cash back on every dollar spent
Visa Credit Card
No additional details provided.
View Details
Beacon Score 730 or more: 15%; Beacon Score 729 through 639: 18%; Beacon Score 638 or less: 18.00%; Variable: Prime Rate + 8% (Beacon 730+), + 11% (729-639), + 16% (638 or less); Grace period 25 days; Annual fee; Cash advance fee 3% (min $10.00)
- Oct 5, 202615.00%▲ from 14.75%
- Sep 14, 202614.75%first recorded
APR (as low as); Visa
- Oct 9, 202615.00%▲ from 14.75%
- Sep 14, 202614.75%first recorded
Variable Rate: Prime Rate plus 8.74% currently 15.24% - 23.24% when you open your account based on your creditworthiness; Cash Reward 1.5%; No Annual Fee
As Low As
- Oct 4, 202615.25%▲ from 15.00%
- Sep 17, 202615.00%first recorded
Published APR range: 15.49% - 27.74%. Intro APR on Purchases and Balance Transfers; Intro rate expires: 12 months; Regular APR: 15.49% - 27.74%; Rewards Platinum APRs 17.24% - 27.24%; Platinum Edition APRs 15.24% - 25.24%; Cash Rewards Platinum APRs 18.24% - 27.49%
As Low As; Lines of Credit & Visa Credit Card Rates
Intro APR: 0%; Intro rate expires: 6 months; Regular APR: 15.49% - 23.49% Variable APR; 0% intro APR on purchases
No additional details provided.
- Sep 18, 202615.49%▲ from 15.24%
- Sep 14, 202615.24%first recorded
Published APR range: 15.65%-18.00%. Variable APR
- Oct 9, 202615.65%▲ from 15.40%
- Sep 18, 202615.40%first recorded
Published APR range: 15.74% - 27.74%. Intro rate expires: 12 months (balance transfers made in first 90 days); Regular APR: 15.74% - 27.74% variable; Transfer fee greater of $10 or 3% of each transfer; Cash advance APR: 27.74%; Minimum interest charge: $1.00 if interest is charged; Annual fee: $0; Rewards: 1.5% Unlimited Cashback on every purchase
- Sep 27, 202615.74%▲ from 15.49%
- Sep 18, 202615.49%first recorded
Variable Rate; Range: 15.74% - 22.74%
Published APR range: 15.74% - 24.74%. Intro rate expires: 12 months (0% APR on balance transfers and purchases); Regular APR: 15.74% - 24.74%; Revolving; Earn 1.5% cashback rewards on purchases; Rates current as of 10/1/2026
- Oct 14, 202615.74%▲ from 15.49%
- Sep 14, 202615.49%first recorded
As Low As; variable rate; Cash back offer excludes Silver State Schools Credit Union Secured Visa and Low Rate Visa Credit Cards
As Low As; Rate: WSJ Prime + 7.49%; Credit limit up to $20,000
Rate range: 15.75% - 18.00% APR; Rate based on credit-worthiness; Annual Fee: $0; Rewards: Earn 1.5% cash back on all qualified purchases up to $100,000 spent per year.
As Low As; Monthly Payment: 3% of balance, $15 minimum; Credit lines from $5,000 to $50,000; No annual fee; Foreign transaction fee: 2.00%
- Oct 23, 202615.90%▲ from 15.65%
- Sep 12, 202615.65%first recorded
Published APR range: 15.99% - 25.99%.
- Oct 20, 202615.99%▲ from 15.74%
- Sep 30, 202615.74%first recorded
Intro rate expires: 12 months; Regular APR: 15.99% - 25.99%; Unlimited 1% cash back for every net dollar spent; No annual fee
Variable APR
As Low As; Fixed rate
Published APR range: 15.99% - 24.99%. Variable rate; Rate will vary based on the Prime Rate as reported in Wall Street Journal on the last business day of the previous calendar month; Earn 1% cash back on purchases; Rewards earned monthly; Cash back deposited monthly into Cash Back Rewards Savings account; 25-day grace period; No balance transfer fee; No annual fee
- Oct 10, 202615.99%▲ from 15.74%
- Sep 14, 202615.74%first recorded
Balance transfer promo APR: 4.90% on transfers posted 7/1/2026-12/31/2026 (promo through 12/31/2027); Rewards: 2% cash rewards on eligible purchases with PSECU checking account and qualifying direct deposit, 1.5% without; No annual fee; Credit limit up to $30,000, if qualified
As Low As; 1.5% cash back on all purchases; Paid quarterly and automatically deposited to your savings account
- Oct 13, 202616.24%▲ from 15.99%
- Sep 17, 202615.99%first recorded
Annual Percentage Rate (APR) for Purchases; Not available for IRAs or Business. Promotion may be discontinued at any time
As Low As; Rates current as of September 17, 2026
- Sep 18, 202616.49%▲ from 16.24%
- Sep 14, 202616.24%first recorded
Intro rate expires: 7 billing cycles after account opening; Regular APR: 16.50%; $35 annual fee; 1% cash back on every dollar spent; Variable APR based on Prime Rate
APR range: 16.74% - 18.00%; Rewards: 2% Total Cashback (1.5% on purchases, 0.5% when you pay)
- Oct 4, 202616.74%▲ from 16.49%
- Sep 16, 202616.49%first recorded
Variable APR; Business Credit Card
No additional details provided.
Variable APR; credit line range $2,000 - $50,000
- Oct 9, 202616.99%▲ from 16.74%
- Sep 14, 202616.74%first recorded
Credit Score: 739-700; Credit card APR for purchases and balance transfers; cash advances may be higher; APR calculated by adding a margin to the Prime Rate
As Low As; APR* (as low as); Perks: 1.5% unlimited cash back
- Oct 10, 202616.99%▲ from 16.74%
- Sep 14, 202616.74%first recorded
Intro rate expires: 12 months; Regular APR: 16.99% - 24.99% variable; Bonus: $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months; Unlimited 2% cash rewards on purchases made for your business; Annual fee $0; APR range: 16.99% - 24.99% variable
As Low As; Currently as low as; Maximum Term: Revolving
- Oct 19, 202617.00%▲ from 16.75%
- Oct 14, 202616.75%first recorded
Intro rate expires: 12 billing cycles; Regular APR: 17.24% - 27.24%*; Annual Fee:; Rewards: 1%/$1 spend
As Low As; Regular APR: 17.49% - 17.99%; Rewards: 1 point per $1 spent; Annual Fee: $0
Published APR range: 17.49% - 18.00%. Rate Type: Variable; Minimum Payment: Greater of $20 or 2.00% of balance
Published APR range: 17.49%-18.00%. APR for Purchases, Balance Transfers, Cash Advances; Effective Date: 02.01.2026
$79 annual fee; 1% cash back on all qualifying purchases up to $100,000 annually; Variable APR based on Wall Street Journal Prime Rate
APR is variable and tied to the Wall Street Journal Prime Rate; Earn 1.50% Cash Back or Redeem 1 Point per Dollar Spent; $95 Annual Fee; No Cap on Cash Back or Rewards
Credit Card APR
- Oct 9, 202617.50%▲ from 17.25%
- Sep 14, 202617.25%first recorded
Intro APR for purchases and balance transfers made in first 60 days; Intro rate expires: 15 billing cycles; Regular APR: 17.74% to 27.74%; 3% intro balance transfer fee for first 60 days, then 5% fee; $200 online cash rewards bonus offer
Intro APR for purchases and balance transfers made in first 60 days; Intro rate expires: 15 billing cycles; Regular APR: 17.74% to 27.74%; 3% intro balance transfer fee for first 60 days, then 5% fee; $200 online cash rewards bonus offer
Intro APR for purchases and balance transfers made in first 60 days; Intro rate expires: 15 billing cycles; Regular APR: 17.74% to 27.74%; 3% intro balance transfer fee for first 60 days, then 5% fee; Limited-time online offer: $250 online cash rewards bonus
Published APR range: 17.74% - 26.99%. Intro rate expires: 12 billing cycles; Regular APR: 17.74% - 26.99%; Variable APR based on U.S. Prime Rate; 1% cash back on net purchases; No annual fee
Non-Variable APR; Based on credit worthiness. Interest determined by credit rating and other underwriting factors.
Non-variable rate; Credit limit $5,000 - $30,000
Published APR range: 17.99% to 26.99%. Intro rate expires: 9 billing cycles; Regular APR: 17.99% to 26.99%; APR for Balance Transfers: 17.99% to 26.99%; APR for Cash Advances: 27.99%; APR for Cash Advances for Overdraft Protection Transfers: 27.99%; Penalty APR: 29.99%; Minimum Interest Charge:
- Oct 20, 202617.99%▲ from 17.74%
- Sep 27, 202617.74%▲ from 15.74%
- Sep 24, 202615.74%first recorded
No additional details provided.
As Low As; Variable APR
Minimum Rate (APR) 17.99%; Maximum Rate (APR) 17.99%
As Low As; Fixed APR; Effective January 1, 2026; Cash back/rewards card
As Low As; Type: Fixed; Credit limit: $500 - $30,000
APR varies with the market based on the Prime Rate; 2% monthly cashback on purchases; No foreign transaction fees, no balance transfer fee
Credit Score: All qualifying credit scores; Cash Back: 1.5% on everything*
As Low As; Rate as Low as based on credit score; Cash Back Rewards, Student, and Secured Credit Builder available; different rates apply
APR range 18.00% to 18.00% for Purchases, Cash Advances and Balance Transfers; based on creditworthiness; APR varies with the market based on the Prime Rate
Annual Percentage Rate (Variable) applies to Purchases, Cash Advances and Balance Transfers; APR varies with the market based on the Prime Rate; based on creditworthiness at account opening
Fixed APR; Monthly Pmt: 2.5% of Balance
Published APR range: 18.24%-28.24%. Intro rate expires: 6 billing cycles; Regular APR: 18.24%-28.24% variable; Intro APR applies to purchases and balance transfers; 1% cash back on net purchases
Published APR range: 18.24% - 27.49%. Intro rate expires: 12 months; Regular APR: 18.24% - 27.49%; Cash Advance APR: 28.24%-28.74%; Intro APR applies to purchases and balance transfers
Published APR range: 18.24% - 28.24%. Intro rate expires: 12 billing cycles (purchases and balance transfers, after account opening); Regular APR: 18.24% - 28.24%; Cash Advance APR: 27.24%-30.24%; Variable APR based on Prime Rate; subject to credit approval; issued by TCM Bank, N.A.
Annual Fee: $0; Minimum Line of Credit: $5000; Rewards: 1% cash back on purchases
As Low As; Current APR range: 18.49% to 21.00%
- Sep 18, 202618.49%▲ from 18.24%
- Sep 14, 202618.24%first recorded
Intro APR 0% for first 12 months (balance transfers); For every $1 spent: 3% cash back at select CU Merchants, 2% cash back on gas, restaurants, phone or streaming services and 1% cash back on all other purchases
- Sep 18, 202618.49%▲ from 18.24%
- Sep 14, 202618.24%first recorded
Intro APR 0% for first 12 months (purchases); For every $1 spent: 1.5% cash back
- Sep 18, 202618.49%▲ from 18.24%
- Sep 14, 202618.24%first recorded
Intro rate expires: 12 months; Regular APR: 18.74%, 24.74% or 28.74% variable; Bonus: $100 cash rewards bonus when you spend $500 in purchases in the first 3 months; Unlimited 2% cash rewards on purchases; Annual fee $0; APR range: 18.74%, 24.74% or 28.74% variable
Published APR range: 18.90%-24.90%. Amount: Varies; Term: Variable Rate & Term; No Cash Advance or Balance Transfer Fees; 1% Unlimited Cashback; $0 Annual Fee
Intro rate expires: 12 billing cycles after account opened; Regular APR: 18.99% - 28.99% (variable, based on Prime Rate); 0% intro APR on purchases and balance transfers; Unlimited 1.5% cash back
Published APR range: 18.99%-28.99%. Intro rate expires: 12 billing cycles after account opened (0% APR on purchases and balance transfers); Regular APR: variable based on Prime Rate, between 18.99% and 28.99% APR; Unlimited 1.5% cash back
Published APR range: 18.99% - 28.99%. Intro APR on purchases and balance transfers; Intro rate expires: 12 billing cycles; Regular APR: 18.99% - 28.99% (variable, based on Prime Rate); Unlimited 1.5% cash back
Credit Score: 699-660; Credit card APR for purchases and balance transfers; cash advances may be higher; APR calculated by adding a margin to the Prime Rate
As Low As; Credit Cards; Rates effective as of 10/25/2026
Credit Score: 659-610; Credit card APR for purchases and balance transfers; cash advances may be higher; APR calculated by adding a margin to the Prime Rate
APR for Purchases and Cash Advances; Minimum Credit Limit: $5,000; Maximum Credit Limit: $20,000; Annual Fee: No fee; Grace Period for Purchases: 25 days; Balance computed by average daily balance (including new transactions); Late Fee: 5% of past due amount, minimum $5, not to exceed $25; Over Limit Fee: $20 per payment period balance exceeds credit limit; Free Additional Benefits: Rental Car Collision Damage, $1,000,000 Travel Accident Insurance, Concierge program, $1,000 ID Theft Protection, Purchase Security & Extended Protection
Fixed annual percentage rate; Credit limits starting at $5,000; No annual fee or minimum interest charge; No-Bounce overdraft protection; Purchase insurance program; Travel assistance services; Auto rental insurance coverage; Roadside assistance service
As Low As; No Annual Fee; 25 day grace period; ScoreCard Rewards can be used for Travel or Merchandise
APR for Purchases and Cash Advances; Minimum Credit Limit: $2,000; Maximum Credit Limit: $20,000; Annual Fee: No fee; Grace Period for Purchases: 25 days; Balance computed by average daily balance (including new transactions); Late Fee: 5% of past due amount, minimum $5, not to exceed $25; Over Limit Fee: $20 per payment period balance exceeds credit limit; Free Additional Benefits: Rental Car Collision Damage, $1,000,000 Travel Accident Insurance, Concierge program, $1,000 ID Theft Protection, Purchase Security & Extended Protection
Intro rate expires: 6 months; Regular APR: 9.90%; Intro APR applies to purchases from date of account opening; 25-day grace period; No Annual Fee; $500 Minimum Credit Line; Redeem Rewards for Travel and Merchandise; 1% International Fee
Visa credit card. No annual fee; $400,000 travel insurance; auto rental collision damage waiver; double the US manufacturer's warranty; travel & emergency assistance; identity theft protection
Rate Type: Fixed; Minimum Limit: $2,500; Annual Fee:; Purchase Fee:; Balance Transfer Fee:; Cash Advance Fee:; Rewards: one point per dollar spent (purchases only) toward gift items and travel services; Eligibility based on previous lending history.
As Low As; Credit Limits from $5,000.00 to $15,000.00; No Balance Transfer Fee; No Annual Fee; 25-Day Grace Period on Retail Purchases; ScoreCard Rewards toward merchandise, events and travel
As Low As; Credit lines starting at $500; No Cash Advance Fee; No Annual Fee; No Balance Transfer Fee; 1.5 points for every $1 purchased; Redeem rewards for cash, travel, gift cards and merchandise
Rate type: Non-variable; Rate after introductory period: Same; Credit limit: $5,000.00 to $20,000.00; Annual fee: $0.00; Balance transfer fee: $0.00; Late payment fee: $0.00; Travel accident insurance: $500,000.00
As Low As; Fixed rates; CashBack rewards on every purchase; Travel Accident Insurance
Intro rate expires: 6 months; Regular APR: 10.99%; Intro APR applies to purchases from date of account opening; 25-day grace period; No Annual Fee; $5,000 Minimum Credit Line; Contactless; Travel Insurance; Redeem Rewards for Gift Cards, Statement Credit, Deposit to a MY CREDIT UNION Checking or Savings account, Travel or Merchandise; No International Fee
As Low As; Rate tied to Prime + 5.00%; Earn points on each purchase for travel, merchandise or cash
- Oct 9, 202612.00%▲ from 8.00%
- Sep 14, 20268.00%first recorded
Fixed interest rate; travel discounts, travel dividends, auto renters insurance
Intro rate expires: 6 months; Regular APR: 12.99%; Intro APR applies to purchases from date of account opening; 25-day grace period; No Annual Fee; $500 Minimum Credit Line; Redeem Rewards for Travel and Merchandise; 1% International Fee
As Low As; Earn one point for every dollar you spend; Redeem for gift cards, travel, merchandise & more; Special Offer: 10,000 bonus points with new card when you spend $1,000 in the first 90 days
- Oct 13, 202613.24%▲ from 12.99%
- Sep 17, 202612.99%first recorded
Rate type: Non-variable; Rate after introductory period: Same; Credit limit: $1,000.00 to $7,000.00; Annual fee: $0.00; Balance transfer fee: $0.00; Late payment fee: up to $25.00; Travel accident insurance: $250,000.00; APR range: 13.50% or 16.50%
Rate type: Non-variable; Rate after introductory period: Same; Credit limit: $500.00 to $7,000.00; Annual fee: $0.00; Balance transfer fee: $0.00; Late payment fee: up to $25.00; Travel accident insurance: $250,000.00; Secured by RVCCU Savings Account; APR range: 13.50% or 16.50%
Intro/promo APR: 10.99%; Intro rate expires: not stated; Regular APR: 13.74% - 19.99%; Rewards points redeemable for Amazon Pay, PayPal, gift cards, travel, merchandise; Credit lines $1,000 to $25,000
APR range: 13.75 to 22.25% for MasterCard Cash Rewards based on creditworthiness; Cash advance APR: 13.75 to 22.25% based on creditworthiness; Rewards: 1.5 points on ALL purchases (100 points = $1; redeemable for cash back, merchandise, travel, events, gift cards and more); Grace period: 25 days; Annual fee:; Minimum finance charge: $0.50; Balance computation: Average daily balance method (excluding new purchases); Cash advance fee: $10.00 or 2% of advance, whichever is less; Late payment fee: $15.00; All rates are variable APR
APR by credit and risk score: Excellent 13.90%; Good 14.90%; Average 15.90%; Fair 16.90%; Marginal 17.90%; Low / No score 17.90%
APR range 13.99% - 17.99% for APR for Purchases and APR for Cash Advances; variable APR; business card holders 13.99% - 17.99%; consumers 13.99% - 19.99%; rates effective as of September 25, 2026
- Sep 26, 202613.99%▲ from 13.74%
- Sep 14, 202613.74%first recorded
Published APR range: 13.99% - 19.99%. APR for Purchases 13.99% - 19.99%; APR for Cash Advances 13.99% - 19.99%; Rate current as of September 25, 2026; variable rate
- Sep 26, 202613.99%▲ from 13.74%
- Sep 14, 202613.74%first recorded
Purchase APR range based on creditworthiness at account opening: 14.24%, 15.24%, 16.24%, 17.24% or 20.24%; variable, based on Prime Rate. Balance Transfer APR: 18.24%, 19.24%, 20.24%, 21.24% or 24.24%. Cash Advance APR: 18.24%, 19.24%, 20.24%, 21.24% or 24.24%. Annual fee: . Foreign transaction fee 3.00%. Balance transfer fee: either $1.00 or 2.00% of each transfer, whichever is greater. Cash advance fee: either $1.00 or 2.00% of each advance, whichever is greater. Fly Miles Plus Reward Program fee $35.00 annually, waived with $6,000.00 or more in annual purchases.
As Low As; Earn 1.5 points per $1 spent - redeem for cash back, merchandise, gift cards, travel, and more!
- Oct 12, 202614.65%▲ from 14.40%
- Sep 12, 202614.40%first recorded
Intro rate expires: 6 billing cycles; Regular APR: 14.67%; Annual Fee: No; Balance Transfer Fees:; Rewards: Scorecard; Travel Accident Insurance: Up to $250,000
Fixed APR; Annual fee $49.99; Earn 3 points per $1 on airline purchases, 2 points per $1 on hotel reservations, 1 point per $1 on everyday purchases; Minimum credit limit $5,000; Maximum credit limit $25,000
APR for Purchases and Cash Advances; Minimum Credit Limit: $500; Maximum Credit Limit: $20,000; Annual Fee: No fee; Grace Period for Purchases: 25 days; Balance computed by average daily balance (including new transactions); Late Fee: 5% of past due amount, minimum $5, not to exceed $25; Over Limit Fee: $20 per payment period balance exceeds credit limit; Free Additional Benefits: Rental Car Collision Damage & $250,000 Travel Accident Insurance
Published APR range: 15.49% to 23.49%. Intro rate expires: 12 months; Regular APR: 15.49% to 23.49% based on creditworthiness, variable with prime rate; Cash Advance APR: 28.49%; Balance Transfer: 0.00% intro APR for first 12 billing cycles for transfers within 60 days of account opening; Bonus: 15,000 bonus points when you spend $1,500 in first 90 days; No Annual Fee
Published APR range: 15.49% - 23.49%. Intro rate expires: 12 months; Regular APR: 15.49% - 23.49%; Introductory Purchase APR; 0% Introductory Balance Transfer APR for 12 months for balances transferred within 60 days of account opening, then variable APR of 15.49% to 23.49%; 15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening; No Annual Fee
Variable APR; Rewards: Travel, Gifts
Intro Rate:; Annual Fee: No; Balance Transfer Fees:; Rewards:; Travel Accident Insurance: Up to $150,000
Variable APR; Rewards: Travel, Gifts
Intro APR for purchases and balance transfers made in first 60 days; Intro rate expires: 15 billing cycles; Regular APR: 17.74% to 27.74%; 3% intro balance transfer fee for first 60 days, then 5% fee; 25,000 online bonus points offer ($250 value); No annual fee and no foreign transaction fees
Up to $45 annual fee based on creditworthiness; Credit limit of $5k to $100k; $50k minimum annual spend; 1x point per $1 spent, 3x points on dining, lodging, travel, rental cars and rideshare; Bonus: Earn 30,000 Points when you spend $4,000+ within the first 90 days; $0 balance transfer fees; $0 cash advance fee
As Low As; Current APR range: 18.49% to 21.00%
- Sep 18, 202618.49%▲ from 18.24%
- Sep 14, 202618.24%first recorded
Intro APR 0% for first 12 months (purchases); For every $1 spent: 3% points on travel purchases and 1.5 points on all other purchases
- Sep 18, 202618.49%▲ from 18.24%
- Sep 14, 202618.24%first recorded
Intro rate expires: 12 months; Regular APR: 18.74%, 24.74% or 28.74% variable; Bonus: 20,000 bonus points when you spend $1,000 in purchases within the first 3 months; Unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; 1X points on other purchases; Annual fee $0; APR range: 18.74%, 24.74% or 28.74% variable
Published APR range: 19.24% to 28.24%. APR for Purchases and Balance Transfers: 19.24% to 28.24% based on creditworthiness; Annual Fee: $0 introductory for first 12 months, then $99; 4X points on eligible travel, gas, EV charging, entertainment and recreation; 1.5X points on all other purchases; 25,000 bonus points after $2,000 spend within 120 days; Airport Lounge Access
- Sep 18, 202619.24%▲ from 18.99%
- Sep 15, 202618.99%first recorded
Published APR range: 19.74% - 28.74%. Regular APR: 19.74% - 28.74% variable APR; Limited-time offer: earn 75K bonus miles
- Oct 2, 202619.74%▲ from 19.49%
- Sep 15, 202619.49%first recorded
Published APR range: 19.74% - 28.74%. Regular APR: 19.74% - 28.74% variable APR; Earn 75,000 bonus miles after $4,000 spend in first 3 months
- Oct 2, 202619.74%▲ from 19.49%
- Sep 15, 202619.49%first recorded
Purchase APR range: 19.74% to 27.74% (Variable); Low $89 annual fee; Online Offer: 50,000 bonus miles + 100 XP after $2,000 in purchases in first 90 days
- Oct 2, 202619.74%▲ from 19.49%
- Sep 15, 202619.49%first recorded
APR range: 19.99% - 28.49% variable; Annual fee $150; Bonus: up to 100,000 miles + 2,000 PQP after qualifying activities
APR for purchase, balance transfers and cash advances; Earn 1.5% cash back rewards on purchases; Annual fee $0; No fees for balance transfers, cash advances, or over-the-limit; Concierge service for travel, dining and entertainment; Exclusive access to promotional offers; Minimum interest charge: no less than $1
Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Rates based on Beacon score of 730 or higher
Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Rates based on Beacon score of 730 or higher
Luxury Only; Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Luxury auto: MSRP of $25,000 or < when vehicle was new; Rates based on Beacon score of 730 or higher
Credit card; No Cash-Advance Fees; No Balance Transfer Fees; No Currency Conversion Fees
Credit card; No Cash-Advance Fees; No Balance Transfer Fees; No Currency Conversion Fees
Intro rate expires: 6 months; Regular APR: 4.95% up to 17.90% based on creditworthiness when you open your account; APR varies with the market based on the Prime Rate; Applies to purchases, balance transfers, and cash advances
Published APR range: 4.99% to 7.99%. Intro rate expires: 6 months; Regular APR: 4.99% to 7.99% fixed; Balance transfer intro APR: 2.99% until 6 months, then 4.99% to 7.99% fixed; Cash advance APR: 4.99% to 7.99% fixed; Penalty APR:; Minimum interest charge: $1.00
Rate quoted based on 36 month term, borrow $1,000 up to $30,000; 0.25% discount available with e-Statements and automated payments on select loan types
For 3 months; Fixed APR; Minimum Loan Amount: $10,000.00; $99 annual fee; converts to standard variable rate after introductory period; OAC
For 3 months; Variable APR; Minimum Loan Amount: $10,000.00; $99 annual fee; converts to standard variable rate after introductory period; OAC
No additional details provided.
Luxury Only; Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Luxury auto: MSRP of $25,000 or < when vehicle was new; Rates based on Beacon score of 730 or higher
Borrow up to $3,500
- Oct 9, 20265.74%▲ from 5.24%
- Sep 28, 20265.24%first recorded
First 12 Months; LTV up to 80%
Borrow up to $6,000; Special Promotional Rate, subject to change at anytime; New money only
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Rate range based on individual applications: 6.5%, 7.5%, 12.5%, 14.5%, or 17.5%; FICO scores and Debt Ratio used to determine rate on all loans except fully secured loans
As Low As; Promotional Adjustable Rate Mortgage (ARM) Rates; Based on $250,000 loan amount, 720 credit score, 80% LTV; Primary residence only; 0.250% added to rate for non-escrowed loans; Effective Date: October 23, 2026
As Low As; Fixed rates for purchases, cash advances, and balance transfers; No annual fee; No balance transfer fee; $5,000 maximum credit limit
Intro/promo APR: 1.99%; As Low As; Intro rate expires: 12 months; Regular APR: 6.74% - 18%
APR range: 6.75% to 18.00% based on creditworthiness, shown when account is opened; No annual fee; Balance Transfers: 6.75% to 18.00% based on creditworthiness; Cash Advances: 6.75% to 18.00% based on creditworthiness
Intro/promo APR: 1.99%; As Low As; Intro rate expires: 12 months; Regular APR: 6.75%
As Low As; New electronics, home renovations, catch up on bills.
As Low As; Unsecured Visa rate determined by credit score; maximum APR 17.9%; No annual fee, cash advance fee or balance transfer fee; Bonus: $150 cash back when you open an OFCU Visa credit card and use it
Published APR range: 6.90%-17.90%. As Low As; Rates based on credit score. No annual fees. No cash advance fees. No balance transfer fee. Your actual APR may differ based on credit history.
Purchases APR; Balance Transfer APR: 6.90%; APR is the Annual Percentage Rate when you open your account, based on creditworthiness
Published APR range: 6.9%-12.90%. Fixed APR for purchases, based on creditworthiness; APR for balance transfers and cash advances also fixed 6.9%-12.90%; Grace period 25 days when paid in full by next statement date; No annual fee; Balance transfer fee; Cash-advance fee; Late fee up to $28 (10 or more days late)
As Low As; Always Low Rate - 6.9% APR; No Annual Fees; No Cash Advance Fees; No Balance Transfer Fees; No Transaction Fees; 25-Day Interest Free Grace Period
Published APR range: 6.99% to 21.99%. Intro rate expires: 6 months; Regular APR: 6.99% to 21.99% fixed; Balance transfer intro APR: 2.99% until 6 months, then 6.99% to 21.99% fixed; Cash advance APR: 6.99% to 21.99% fixed; Penalty APR:; Minimum interest charge: $1.00
Featured rate; Rates effective as of 8/3/2026
As Low As; interest rates starting as low as around 6.99% APR, depending on creditworthiness; Rewards: Bonus Points on net retail purchases redeemable through Scorecard Rewards; No balance transfer fee
Credit Rating: A+; Credit Score: 760+; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Fixed rate for purchases, balance transfers, and cash advances; no annual fee; 25-day finance charge grace period on purchases; ScoreCard Rewards points earned on every purchase
As Low As; Term printed as '12 winter' on page; Rates quoted include a .25% discount for automatic transfer from a Freedom United Checking; final rate determined by credit score
Fixed rate; no annual fees; no balance transfer fees; uChoose Rewards (1x, including cash back)
APR range: 7.50% - 16.75% (Purchases, Balance Transfer, Cash Advances); Penalty APR:; Rates based on creditworthiness; accurate as of 10/19/2026
Intro/promo APR: 6.99%; As Low As; Intro rate expires: 6 payment cycles; Regular APR: 7.74% - 15.74%; Balance Transfer APR: 13.74% - 19.74%; Cash Advance APR: 15.74% - 21.74%; Earn 2% cash back on all purchases, plus 3% in select categories
- Oct 19, 20267.74%▼ from 13.74%
- Oct 14, 202613.74%▲ from 10.99%
- Oct 10, 202610.99%first recorded
Credit Rating: A; Credit Score: 759-680; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Intro/promo APR: 1.99%; As Low As; Intro rate expires: 12 months; Regular APR: 7.75%
Intro/promo APR: 1.99%; As Low As; Intro rate expires: 12 months; Regular APR: 7.75%
Standard APR; subject to change based on credit worthiness
Special Rate; Certain restrictions apply. Rate subject to change without notice.
As Low As; promotional rates with direct deposit of $100.00(min), a checking account and Debit Card; Personal Loan applications not currently being accepted
Monthly payment per $500 for max term: $22.60; Fees:; APR based on loan amount of $500.00, based on maximum term; APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Checking account; available to applicants who have been a member in good standing for at least 6 months
APR for Purchases, Balance Transfers and Cash Advances; Limits: $500-$50,000; Penalty APR:
No annual, balance transfer, or cash advance fees
As Low As; Annual percentage rate (APR) as low as 7.90%; no annual fee; no cash advance fees; no balance transfer fees; must be a member to qualify
As Low As; Fixed rate for retail purchases or cash advances; No introductory rate or annual fees; Monthly minimum payment is 2% of outstanding balance; Maximum credit card amount $20,000 with 36 month term; Rewards Points
As Low As; No annual fees; No balance transfer fees
Fixed rate; No annual fee; No balance transfer fees; Earn Score Card Rewards points; Proof of income required on new applications or line of credit increase requests
Rates as low as 7.90%; Intro rate as low as 3.90% for 6 months; Reward points on every purchase; Use anywhere Visa is accepted
Published APR range: 7.9%-13.9%. APR for Purchases, Balance Transfers and Cash Advances; Non-Variable Rate dependent on your creditworthiness; Rewards:; Balance Transfer Fee:; Cash Advance Fee:; Annual Fee:; Minimum Interest Charge: $0.00; Foreign Transaction Fee: 1% of each foreign transaction in U.S. Dollars; Late Payment Fee: Up to $15.00; Returned Payment Fee: Up to $15.00
Published APR range: 7.90% - 13.90%. As Low As; APR range 7.90% - 13.90% for purchases, cash advances and balance transfers; Grace period for purchases: 25 days; Annual fee:; Credit lines starting at $500
Regular APR: 7.95%; Cash Advance APR: 7.95%; Balance Transfer APR: 7.95%; Grace period for purchases: 25 days; No grace period for cash advances; Annual fee:; Late payment fee: $25.00; Over the credit limit fee: $25.00; Card replacement fee: $10.00; PIN replacement fee: $2.00; Disclosure as of 02/23/2010
As Low As; Effective Date: 8/1/2020
Promotional rate for owner-occupants; $100,000 example loan; up to $500,000; applications 12/19/2023 to 1/4/2024; Hawaii properties only
Regular APR: 7.99% - 16.99%; APR on Balance Transfers: 7.99% - 16.99%; APR on Cash Advances: 9.99% - 17.99%; Annual Fee:; Rates Effective: January 1, 2026
Up to $15,000; promotional rate available September 1 to December 31, 2026; limit one Debt Consolidation Loan per member; automatic payment required; existing debt consolidation loans can be refinanced to include additional high-interest debt
Purchase APR range: 7.99% to 15.99%, based on creditworthiness; Balance Transfer APR: 7.99% to 15.99%; Cash Advance APR: 7.99% to 15.99%; Balance Transfer Fee: $5.00 or 3.00% of each balance transfer, whichever is greater; Cash Advance Fee: $5.00 or 3.00% of each cash advance, whichever is greater; Foreign Transaction Fee: 1.00%; Late Payment Fee: up to $29.00; Returned Payment Fee: up to $25.00; Secured card for California borrowers; Disclosure accurate as of September 02, 2021
Credit limit: $5,000 to $7,500; No Annual Fee, No Balance Transfer Fee, Same Low Rate on Cash Advances
As Low As; Fixed rate, no hidden fees; advertised APR includes 0.25% discount for automatic payments from an MHV savings or checking account; rates as of 10/1/26
Intro/promo APR: 3.99%; Intro rate expires: First Six Months; Regular APR: 7.99% fixed; No annual fee, no cash advance fee, 25-day grace period, low fixed rate
As Low As; APR range 7.99% to 17.99%
As Low As; Fixed rate; NO annual fee, NO balance transfer fee, NO cash advance fee
As Low As; Up to $20,000. Terms based on loan amount. Exclusions and conditions apply.
As Low As; Term: Varies; Rates effective: October 19, 2026
Minimum Amount Financed: $500; Rates based on credit scores 750 and more
As Low As; Fixed Rates. No Annual Fee. No-Fee Balance Transfers. No-Fee Cash Advances. Rates effective as of 09/01/2023.
up to $10,000; As Low As; Depends on total debt & credit history; Payment: Monthly; APR Type: Fixed; Loan Rates as of 08/15/2023
Term: 12-month repayment term; Borrow up to $2,500; Rates depend on credit. Some restrictions may apply.
Loan Accounts; bills to be paid with proceeds must be presented to the Credit Union for payment
As Low As; APR range 8.00%-18.00% for purchases, balance transfers and cash advances; rate determined by credit score and creditworthiness
As Low As; Personal Loans; APR* as low as 8.00%
- Oct 6, 20268.00%▲ from 7.25%
- Sep 30, 20267.25%first recorded
Promotional rate for owner-occupants; $100,000 example loan; up to $500,000; applications 12/19/2023 to 1/4/2024; Hawaii properties only
Promotional rate for owner-occupants; $100,000 example loan; up to $500,000; applications 12/19/2023 to 1/4/2024; Guam properties only
As Low As; Introductory Rate; Intro rate expires: 12 months on transactions posted within 30 days of account opening; after the intro period the standard variable APR applies (not stated on page)
- Oct 9, 20268.15%▲ from 7.90%
- Sep 14, 20267.90%first recorded
Promotional rate for owner-occupants; $100,000 example loan; up to $500,000; applications 12/19/2023 to 1/4/2024; Guam properties only
APR range 8.24% - 18.00%; $1,000 - $50,000; Fixed Rate
- Oct 26, 20268.24%▲ from 7.49%
- Sep 15, 20267.49%first recorded
As Low As; Fixed
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; Credit Grade: A+; Up to $25,000 in unsecured credit; No application or origination fees; New loans only (not valid for refinancing existing RCCU debt)
Credit Grade: A; Up to $25,000 in unsecured credit; No application or origination fees; New loans only (not valid for refinancing existing RCCU debt)
- Oct 5, 20268.40%▲ from 8.25%
- Sep 14, 20268.25%first recorded
Credit line up to $20,000; APR applies to purchases, balance transfers and cash advances; No annual fee; 25-day grace period on purchases
Unsecured Loans
As Low As; Purchase APR range 8.49% to 17.99% per MasterCard Disclosure; Cash Advance APR 17.99%; Balance Transfer APR 8.49% to 17.99%
As Low As; Fixed Rates. No Annual Fee. No-Fee Balance Transfers. No-Fee Cash Advances. Rates effective as of 09/01/2023.
Credit Rating: B; Credit Score: 679-650; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
For qualified members only; Intro rate expires: 90 days from account opening; Regular APR: 8.500%; Promotional APR applies to purchases and balance transfers; Membership eligibility and credit qualification required
APR range: 8.50% - 17.75% (Purchases, Balance Transfer, Cash Advances); Penalty APR:; Rates based on creditworthiness; accurate as of 10/19/2026
Max $20,000; APR = Annual Percentage Rate; Rates subject to change at any time
As Low As; Max $20,000; Rates are determined by personal credit history and payment method
As Low As; Borrow amount: Up to $15,000; Available for credit scores of 640 and above; $10,000 maximum for credit scores under 640
- Oct 15, 20268.74%▼ from 10.74%
- Oct 12, 202610.74%▲ from 8.74%
- Sep 14, 20268.74%first recorded
As Low As; Limited time offer; Loan amounts $500 - $20,000 based on creditworthiness; Credit score 720+ up to $20,000, 700-719 up to $15,000, 670-699 up to $10,000; Minimum credit score 670; Proceeds used for debt consolidation only and paid directly to creditors
Credit Score: 720+; Maximum Dollar Amount: $25,000; Maximum Term: 60 Months; APR determined by credit score
Intro rate expires: first 11 billing cycles of a new account (purchases and balance transfers); Regular APR: 8.75% (purchases and balance transfers, varies with Prime Rate); Cash Advance APR: 10.75% (varies with Prime Rate)
APR for Purchases; APR for Balance Transfers: 10.25%; APR for Cash Advances: 10.25%
$35,000; As Low As; Maximum loan $35,000
As Low As; Loan amount $500-$2,499
As Low As; fixed rate for debt consolidation loan
Category: Unsecured Loans; APR range: 8.75% - 17.75%; APR based on creditworthiness, term, loan-to-value, age of collateral and debt-to-income
Intro/promo APR: 6.75%; Intro rate expires: 6 months (or 12 months if you transfer a balance of $250 or more from another credit card); Regular APR: 8.75%
Standard APR; subject to change based on credit worthiness
Purchase APR tiers by creditworthiness: 8.8%, 10.8%, 15.8%; Cash Advance APR: 8.8%, 10.8%, 15.8%; Balance Transfer APR: 8.8%, 10.8%, 15.8%; Grace Period for Purchases: 25 days; Annual Fee:; Minimum Finance Charge:
Balance transfer promo: lifetime 8.9% APR (homepage text); not stated as the regular purchase APR
Purchase & Balance Transfers APR; Cash Advance APR: 10.90%; $0 Annual Fee; No Balance Transfer Fees; 2% Cash Advance Fee ($2.00 minimum, $50.00 maximum); 1% Foreign Transaction Fee; UChoose Rewards
Purchases, cash advances and balance transfers rate; Earn ScoreCard Rewards Bonus Points on purchases
APR range 8.90% to 15.50% for purchases, balance transfers and cash advances; Annual fee $0.00
Intro rate expires: six billing cycles; Regular APR: 8.90%; Maximum Financed: $30,000
As Low As; Annual Percentage Rate for Purchases and Cash Advances; Grace Period for Purchases: 25 days; No Annual Fee; Application Fee $5.00; Transfer Rate: 0% APR for six billing cycles; Effective Date: 05/01/2026
Intro/promo APR: 3.90%; As Low As; Intro rate as low as 3.90%; Regular APR: 8.90%; Minimum Payment: $25
Balance transfer intro rate 4.9% expires: 12 months; Regular APR: 8.9%; No balance transfer fee; No annual fee
As Low As; APR range 8.90% - 17.90% subject to creditworthiness for purchases, balance transfers and cash advances
Purchase APR; Balance Transfer APR: 8.90%; Cash Advance APR: 12.90%
APR for Purchases, Cash Advances and Balance Transfers; Rates current as of October 23, 2026
As Low As; Competitive interest rates, free balance transfers, no annual fee and contactless security
Low or No Annual Fee; APR for Purchases: 8.9%, 11.9% or 13.9% based on credit; APR for Balance Transfers: 8.9%, 11.9% or 13.9% based on credit; APR for Cash Advances: 8.9%, 11.9% or 13.9% based on credit; Annual Fee: $9 (waived if you qualify for 8.9% APR or have a direct deposit relationship); Foreign Transaction Fee: 1% of each transaction in US Dollars; Late Payment Fee: Up to $15
As Low As; APR* as low as 8.90% (promotional strip); 1% Cash Back on net purchases; No Annual Fee
Regular APR: 8.9%; Purchases and cash advances; balance transfers after six months of opening the card
Balance Transfer APR: 8.90%; Cash Advance APR: 8.90%; Grace Period - Purchases: 25 Days; Annual Fee:; Late Payment Fee:
As Low As; Term: Open; Footnote: SIX MONTH 2.99% INTRODUCTORY RATE ON VISA PURCHASES AND CASH ADVANCES
Regular APR: 8.90%; Other APR (cash advance): 8.90%; Grace Period for Purchases: 25 Days; Method of Computing Balance: Average Daily Balance; Annual Membership Fee:; Foreign Transaction Fee: 1% of transaction amount; Balance Transfer Fee:; Late Payment Fee: 10% of the past due date (if ten or more days late; fee will not exceed $20.00)
As Low As; Same LOW rate for Charge and Advance; No Annual Fee - No Transfer Fee; Annual percentage rate, rate with creditworthiness, restrictions may apply
As Low As; Credit Limits from $500.00 to $15,000.00; No Balance Transfer Fee; No Annual Fee; 25-Day Grace Period on Retail Purchases
Published APR range: 8.90% to 17.90%. APR for Purchases, Cash Advances and Balance Transfers; APR is based on your creditworthiness at the time of account opening
Published APR range: 8.90% to 17.90%. Intro rate expires: 6 months; Regular APR: 8.90% to 17.90%, based on creditworthiness
6 month introductory APR 6.90%
Cash APR: 8.95%; Purchases APR; 3% of balance payment; Max line: $20,000; No annual fee; No balance transfer fee
No additional details provided.
APR for Purchases; applies to members with credit scores of 680 and above at the time of application; Balance Transfer APR: 8.95%; Cash Advance APR: 8.95% from the date of the cash advance; Penalty APR:
As Low As; Rate Type: Non-Variable; Variable APRs apply to purchases, balance transfers, and cash advance transactions
APR for Balance Transfers: 8.95%; APR for Cash Advances: 8.95%; Annual Fee:; Penalty APR:
Intro/promo APR: 1.99%; Intro rate expires: 12 months; Regular APR: 8.95% to 21.95%; Introductory APR for purchases and balance transfers; Offer valid for new ECU Platinum Visa accounts only
APR range by type: Purchases 8.96% - 16.96%; Cash Advances 6.96% - 14.96%; Balance Transfers 6.96% - 14.96%; all based on creditworthiness. 25-Day Grace Period for Purchases; No Annual Fee; No Minimum Finance Charge; No Transaction Fee for Purchases; Average daily balance (including new purchases); Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars
Published APR range: 8.99% - 18.99%. Intro rate expires: 12 billing cycles after account opening (0% Intro APR on purchases and balance transfers); Regular APR: 8.99% - 18.99% (variable, based on Prime Rate; rates as of April 30, 2020). No penalty APR.
Intro/promo APR: 1%; Intro rate expires: 6 months; Intro APR applies to balance transfers from external credit cards; Regular APR: 8.99% to 14.99%; Credit Limit: Up To $10,000
No additional details provided.
As Low As; Rates quoted include a .25% discount for automatic transfer from a Freedom United Checking; final rate determined by credit score
Intro/promo APR: 3.99%; Intro rate expires: six months; Regular APR: 8.99% (Purchases and Cash Advances); Annual Percentage Rate on approved credit
Intro rate expires: six billing cycles; Regular APR: As Low As 8.99% (based on creditworthiety); Annual Fee $0; Cash Advance Fee $25; Late Payment Fee $25
Balance transfer APR; 8.99% and 10.99% APR for balance transfers; Contact Us to Learn More
Credit Score: A+ Category = or > 725; Revolving (0.90% 12-month introductory rate)
Intro 2.99% balance transfer; Regular APR: 8.99% - 18%; Credit limit: $500 - $15,000; Revolving
Intro APR 1.99% for 6 months (adjusts after six statement cycles to non-variable APR, min 9.49%, max 16.49%); Regular APR 8.99%; requires share account with $5 minimum balance; UChoose Rewards
Published APR range: 8.99% - 16.99%. APR for Purchase; APR for Balance Transfer: 8.99% - 16.99%; APR for Cash Advances: 8.99% - 16.99%
Published APR range: 8.99% - 14.99%. Non-variable; APR for Purchases, Balance Transfers, & Cash Advances; Effective Date: October 1, 2025
Credit card APR range 8.99% to 17.99% based on creditworthiness; Purchases APR 8.99% to 17.99%; Balance Transfer APR 8.99% to 17.99%; Cash Advance APR 8.99% to 17.99%
Credit card APR range 8.99% to 17.99% based on creditworthiness; Purchases APR 8.99% to 17.99%; Balance Transfer APR 8.99% to 17.99%; Cash Advance APR 8.99% to 17.99%
Published APR range: 8.99%-17.99%. Purchases APR tiers: 8.99%, 10.99%, 13.99%, 15.99%, 17.99% (rate determined by creditworthiness); Balance transfers APR: 8.99%, 10.99%, 13.99%, 15.99%, 17.99%; Cash advances APR: 8.99%, 10.99%, 13.99%, 15.99%, 17.99%
Published APR range: 8.99% - 15.99%. APR for purchases, balance transfers & cash advances; Minimum loan amount: $1,500
As Low As; FIXED rate for purchases; Balance Transfer and Cash Advance APR as low as 11.99%; Credit limits $500 to $25,000; 25 day grace period for new purchases; Foreign transaction fee 1% for multiple currencies and 0.8% for single currency; Late fee up to $10; No annual fee; No cash advance fee (higher rates may apply)
- Oct 13, 20268.99%▼ from 11.99%
- Sep 14, 202611.99%first recorded
As Low As; Starting at 8.99% APR; not a promotional rate, this is the every day rate; No annual fee
As Low As; Personal Loan; Rates accurate as of 10/01/26; Subject to credit qualification and approval
As Low As; Fixed Rates. No Annual Fee. No-Fee Balance Transfers. No-Fee Cash Advances. Rates effective as of 09/01/2023.
Applies to Purchases, Balance Transfers and Cash Advances; APR set when you open your account based on creditworthiness; variable with the Prime Rate; A $10 Membership Account is required; APR range: 9.00%, 12.00% or 15.00%
Variable periodic rate; APR for purchases 9%; APR for balance transfers 9% with no balance transfer fee; annual fee $5; regular APR has been 9% for more than 10 years
APR range 9.0% - 18.00%; Signature, Co-Signer, Co-Applicant; Will loan up to 25% of provable income; Can be used for almost any purpose; Signature: must be employed in the same profession for one year and have a debt ratio no higher than 45%
Annual Percentage Rate for Purchases, Balance Transfers, and Cash Advances
$35,000; As Low As; Maximum loan $35,000
As Low As; Borrow up to $75,000; Apply online in minutes
As Low As; Minimum/Maximum: $1,000/$15,000; Limited time offering; minimum credit score of 650 required
Annual Fee: No; Balance Transfer Fee: No; Cash Advance Fee: No; Penalty APR: No; Grace Period for late payments: 5 days; Late payment Fee: $20.00; International Transaction Fees: multiple currency transaction in USD 1.00%, single currency transaction in USD 0.80%; Minimum Credit Limit: $1,000.00; Maximum Credit Limit: $15,000.00; Fraud Protection: Zero Fraud Liability; Same APR for purchases, balance transfers and cash advances
As Low As; Advertised rate based on creditworthiness and includes up to a .50% discount for automatic payment from a United Teletech Checking Account
Other Loans
As Low As; Interest rates: Purchase APR 9.00%, Balance Transfer APR 9.00%, Cash Advance APR 9.00% - all vary with the market based on the Prime Rate; Penalty APR
- Oct 19, 20269.00%▼ from 9.50%
- Sep 14, 20269.50%first recorded
For Qualified Members; Variable APR (currently 9.00%), subject to change without notice; Rate = Prime Rate + 2%; No Annual Fee; No Cash Advance Fee; No Balance Transfer Fees; 25-day grace period on purchases; Foreign Transaction Fee = 1% of each foreign transaction in U.S. Dollars
- Oct 19, 20269.00%▼ from 10.00%
- Oct 13, 202610.00%▲ from 9.00%
- Oct 1, 20269.00%▲ from 8.75%
- Sep 14, 20268.75%first recorded
APR range: 9.00% to 15.00%; Daily Periodic Rate: .024657 to .041096; Term & rate available with conditional financing limits
As Low As; Interest rate as low as 9.00% A.P.R.; 2% of balance repayment; 26 day grace period; EZ balance transfer of other high interest rate credit cards
$26,000; As Low As; $26,000 Maximum
As Low As; Assumes FICO Credit Score of 680 or better and $5,000 amount financed
As Low As; Rate type not specified on banner; Rates effective as of 11/04/2025
As Low As
As Low As; Rate may vary based on credit worthiness and term; $100 minimum savings balance required to be eligible for loans; membership required; Effective Date: 9/3/2025
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Published APR range: 9.25 - 15.25%. 40% Debt Ratio; $2,500 loan amount
No additional details provided.
Purchase APR range 9.25% - 18.00%; Balance Transfer APR 9.25% - 18.00%; Cash Advance APR 9.25% - 18.00%; APR varies with the market based on the Prime Rate; Standard variable APR 9.25% to 18.00%; Effective October 1, 2026; Cash advance fee 2.00% of each cash advance; Foreign transaction fee 1.00% (U.S. Dollar) / 0.80% (foreign currency transaction)
Unsecured Loans
As Low As; personal loan for debt consolidation, major purchases, green energy, wedding expenses, vacations
As Low As
Maximum: total not to exceed $40,000
$500 Minimum Loan Amount; Rates as of 04/03/2026
As Low As; Fixed-rate APR on purchases, balance transfers, and cash advances; No annual fee; Minimum payment $25 or 2.5% of the balance; Rates subject to creditworthiness
Under $10,000; As Low As; Loan Amount: Up to $10,000; Rates listed are based on automatic loan payment; Refinancing of existing Christian Financial debt not available with Debt Shed; No consolidation of existing Debt Sheds
Intro rate expires: 12 billing cycles; Regular APR: 9.5%; No fee to transfer balances; VISA Platinum Credit Card
Credit limit: $2,500 to $5,000; No Annual Fee, No Balance Transfer Fee, Same Low Rate on Cash Advances
up to $10,000; As Low As; Debt ratio of 38% or less
As Low As
Intro rate expires: 90 days from account opening; Regular APR: 9.500%; Promotional APR applies to purchases and balance transfers
Credit limits start at $3,000 and available up to $15,000; No Annual Fee; No Balance Transfer Fee; Earn reward points for every $1 spent
APR range: 9.5% to 19.5% determined by your credit worthiness and subject to approval; Credit limit: $250 to $20,000 determined by credit worthiness (subject to approval) and total unsecured debt with DCU; Deposit required: No; Recommended for: Anyone
Regular APR for purchases; Cash Advance APR: 10.5%; Penalty APR:; Minimum Interest Charge:; Annual Fee:; Balance Transfer Fee:; Cash Advance Fee:; Foreign Transaction Fee:; Late Payment: $15 when 15 or more days late; Over the Credit Limit:; Returned Payment: $25; Grace period: due date at least 25 days after billing cycle close
APR range: 9.50% - 16.75% (Purchases, Balance Transfer, Cash Advances); Penalty APR:; Rates based on creditworthiness; accurate as of 10/19/2026
Annual Percentage Rate for Purchases; Cash Advance APR 9.50%; Balance Transfer APR 9.50%; Grace Period 25 Days; Annual Fee; Foreign Transaction Fee 1% of transaction amount; Late Payment Fee $15.00 if ten or more days late
Lowest Rate After Intro; APR range 9.50%-18.00%, variable based on Prime; Balance Transfer Fee 3% (Lowest Fee); Annual Fee $0; Credit Score Monitoring Free
As Low As
As Low As; Rates as low as 7.75 APR; business unsecured lines of credit; membership qualifications apply
Revolving / up to $50,000
As Low As; Variable Rate
- Oct 5, 20268.99%▲ from 8.74%
- Sep 14, 20268.74%first recorded
As Low As; Rate range: 8.99%-18.00% APR
As Low As; Rates as of 03/06/2006; rates, terms and conditions subject to change and may vary based on creditworthiness and qualifications
As Low As; variable; Member Perks APR: N/A
- Oct 5, 20269.00%▲ from 8.75%
- Sep 14, 20268.75%first recorded
As Low As; Interest rates: Purchase APR 9.00%, Balance Transfer APR 9.00%, Cash Advance APR 9.00% - all vary with the market based on the Prime Rate; Penalty APR
- Oct 19, 20269.00%▼ from 9.50%
- Sep 14, 20269.50%first recorded
APR range: 9.50% - 16.75% (Purchases, Balance Transfer, Cash Advances); Penalty APR:; Rates based on creditworthiness; accurate as of 10/19/2026
Credit Score: 730
Business Loans; Loan Type: Unsecured Line of Credit
- Oct 10, 20269.75%▲ from 9.50%
- Sep 14, 20269.50%first recorded
As Low As; Fixed Rate Credit Card; Business card; Minimum limit is $200.00 unless part of a promotional program
Monthly Payment: 3% of statement balance or $10, whichever is greater
Published APR range: 9.90% - 15.90%. APR for Purchases, Cash Advance, and Balance Transfer; Grace Period for Purchases: 25 Days; Annual Fee:
Credit Score: 700-729
- Sep 18, 20269.95%▲ from 9.70%
- Sep 14, 20269.70%first recorded
As Low As; Rate: Prime Plus 5.00% (minimum APR 9.99%); variable margin 5.00% to 13.00% over Prime Rate based on credit history; Annual Fees:; Grace period not less than 25 days on new purchases; No cash advance transaction fee; Foreign currency transaction fee: 2% ISA fee
Fixed rate; no annual fee and no transaction fees
Purchases and Cash Advances; Annual Percentage Rate on approved credit.
As Low As; Loan rates accurate as of July 1, 2026
Apply in branch; Credit disclosure accurate as of 06/02/2025
Published APR range: 9.99% - 18.00%. As Low As; Intro rate expires: 12 months; Regular APR: 9.99% - 18.00%; Introductory APR applies to purchases, cash advance, balance transfers; Introductory rate is for new cards only; $5.00 Membership Account required
As Low As; Fixed Rate; Minimum Payment: $25; Not all applicants will qualify for the lowest rate
As Low As; Business card
Credit Score: 730
Published APR range: 10.70% - 21.70%. APR Range; Variable rate: Prime Rate plus margin of 3.70%-14.70% for Select and Select Secured
Published APR range: 10.70% - 21.70%. APR Range; Variable rate: Prime Rate plus margin of 3.70%-14.70% for Select and Select Secured
Intro rate expires: First Three (3) Months on Purchases and Balance Transfers; Regular APR: 10.74%; Rewards: Up to 1x Points on Eligible Net Purchases; Annual Fee:; Available to business customers
Rate Type: Variable; Limit: up to $35,000
As Low As; Adjusts Quarterly (Prime + 4.00%)
Grace Period for Purchases: 25 Days; Annual Fees: $0 per year; Late-Payment Fee: $25.00; Cash Advance Fee: 3%; Balance Calculation Method: average daily balance (including new transactions)
No additional details provided.
No additional details provided.
Credit Score: 700-729
- Sep 18, 202610.95%▲ from 10.70%
- Sep 14, 202610.70%first recorded
Credit Limit: $500 Minimum up to $50,000 Maximum; Annual Fee:
As Low As; Credit Limit: $1,000 to $100,000; Rate current as of 10/01/26
No additional details provided.
Low Rate of 11.24% APR* (homepage promo, Propell Business Credit Card / SpendTrack)
Low Rate of 11.24% APR* (homepage promo card: "Sweater Weather. Smarter Spending.")
Regular APR: 11.50%; APR is variable and tied to the Wall Street Journal Prime Rate; No Annual Fees
Purchases APR range: 11.50% - 22.00% based on creditworthiness; Balance transfers APR: 13.50% - 24.00% based on creditworthiness; Cash advances APR: 13.50% - 24.00% based on creditworthiness; APR will vary with the market based on the prime rate; Rates Effective: 10-24-2026; Grace period for repayment of purchase balance: 25 days
As Low As; APR shown as low as 11.50%
As Low As; APR range 11.50% - 17.50% for Purchases and Balance Transfers and Cash Advances, based on creditworthiness at application; APR varies thereafter with Prime Rate; for loans up to $50,000
Purchase and Cash Advance APR range: 11.75% - 18.00% Variable; Balance Transfer APR: 8.75% - 18.00% Variable; Variable rate based on Prime rate as published in the Wall Street Journal, 18% ceiling
- Oct 4, 202611.75%▲ from 8.75%
- Sep 25, 20268.75%▼ from 11.75%
- Sep 16, 202611.75%first recorded
Business Loans
As Low As; Credit Limits from $500.00 to $15,000.00; No Balance Transfer Fee; No Annual Fee; 25-Day Grace Period on Retail Purchases
Published APR range: 11.90% - 17.99%.
No additional details provided.
Credit Score: 675-699
- Sep 18, 202611.95%▲ from 10.70%
- Sep 14, 202610.70%first recorded
Published APR range: 11.99%-17.99%. Intro rate expires: 6 months; Regular APR: 11.99%-17.99%; Balance Transfer Rate: 11.99-17.99; Cash Advance Rate: 21.99%; Rates of 11.99%-17.99% with qualified credit; Earn 1.5 points for each $1 spent on purchases
Introductory APR 4.99% until February 28, 2027; best current non-introductory APR 11.99%
As Low As; Business credit card
APR varies with the market based on the Prime Rate; 1% year-end rebate on purchases; No annual fee, no balance transfer fee
- Oct 4, 202612.00%▲ from 11.75%
- Sep 25, 202611.75%first recorded
As Low As; Rate tied to Prime + 5.00%; Earn points on each purchase for travel, merchandise or cash
- Oct 9, 202612.00%▲ from 8.00%
- Sep 14, 20268.00%first recorded
As Low As; Minimum Credit Line: Varies
As Low As; APR for Purchases; Actual APR based on creditworthiness and varies with Prime Rate
As Low As; Visa credit card for business lending needs with credit limits up to $25,000; Visa Credit Card APRs are based on the WSJ prime rate and subject to change quarterly
As Low As; APR* As Low As credit card rate
- Sep 25, 202612.25%▼ from 12.50%
- Sep 16, 202612.50%first recorded
As Low As; Purchases, Balance Transfers & Cash Advances; Variable APR based on Prime plus margin; Maximum APR 22.75%; Minimum credit limit $500
- Oct 26, 202612.25%▲ from 12.00%
- Sep 14, 202612.00%first recorded
As Low As; Purchase APR, variable; Earn 1.00% cash back with each qualifying net dollar spent; $0 annual fee for Farm Bureau entities; Designed exclusively for Farm Bureau organizations
Rewards: Up to 1.00% Cash Back on Eligible Net Purchases; Annual Fee:; Available to Farm Bureau organization customers only; Intro APR: N/A
As Low As; APR range 12.45% - 17.90%; variable APR based on Prime Rate
Published APR range: 12.49%-19.99%. Intro rate expires: 11 billing cycles; Regular APR: 12.49%-19.99% Variable Purchase APR; Lower Rate Card; No Annual Fee
APR range: 12.49% - 18.00%; Visa Business Credit Cards
As Low As; Business Visa Platinum credit card; variable APR; Variable Cards APR: 12.49% to 20.49%; APR equals Prime index + 5.50%; Rates as of 10/01/2026
As Low As
- Oct 10, 202612.49%▲ from 12.24%
- Sep 14, 202612.24%first recorded
As Low As; Member Perks APR: N/A
- Oct 5, 202612.50%▲ from 12.25%
- Sep 14, 202612.25%first recorded
Purchases APR: 12.50% - 23.00% based on creditworthiness; Balance transfers APR: 14.50% - 25.00% based on creditworthiness; Cash advances APR: 14.50% - 25.00% based on creditworthiness; APR will vary with the market based on the prime rate; Grace period for repayment of purchase balance: 25 days; Rates Effective: 10-24-2026
APR range: 12.50% - 16.50%; Rates are tiered based on credit score
APR range: 12.650% - 18.000%; Rate determined at account opening based on credit worthiness; rate varies with the Prime Rate; Annual Percentage Rate based on credit history
- Sep 17, 202612.65%▲ from 12.40%
- Sep 14, 202612.40%first recorded
Variable APR; Minimum $1,000; Balance Transfer APR 12.65%; Cash Advance APR 12.65%
Published APR range: 12.65%-21.00%. Variable APR+; APR is Prime Rate plus margin 5.65%-16.65%
- Oct 9, 202612.65%▲ from 12.40%
- Sep 14, 202612.40%first recorded
Published APR range: 12.65%-18.00%.
Published APR range: 12.70% - 22.70%. APR Range; Variable rate: Prime Rate plus margin of 5.70%-15.70% for Rewards and Cash Back
As Low As; Credit Limit: Up to $50,000
Purchase and Cash Advance APR range: 12.75% - 18.00% Variable; Balance Transfer APR: 9.75% - 18.00% Variable; Variable rate based on Prime rate as published in the Wall Street Journal, 18% ceiling
- Oct 4, 202612.75%▲ from 9.75%
- Sep 25, 20269.75%▼ from 12.75%
- Sep 16, 202612.75%first recorded
Consistent Annual Percentage Rate that will not change over time; No Annual Fee
APR = Annual Percentage Rate; subject to credit approval
Earn rewards or 1.5% cash back on purchases; Call or stop in to apply; APR will vary with the market based on the Prime Rate; No Annual Fee
- Oct 5, 202612.90%▼ from 19.99%
- Sep 25, 202619.99%▲ from 12.65%
- Sep 17, 202612.65%first recorded
Variable rate; APR subject to monthly change based on Prime Rate plus margin; APR will never exceed 18%; no annual fee; no balance transfer fee
As Low As; Community Choice Mastercard Credit Card
- Oct 9, 202612.90%▲ from 12.65%
- Sep 18, 202612.65%first recorded
Credit Card
Amount: Up to $10,000; APR based on designated amount, 34-month term, $60 loan processing charge; Minimum
APR up to 12.96%; Last updated: February 16, 2026
As Low As; Card Type: Variable Rate Visa; Business Rewards Credit Card; Annual Fee: No Annual Fee (see terms); Membership and eligibility required; Rates as of 09/24/2026, variable rates may change
Intro rate expires: 6 months; Regular APR: 12.99%; Intro APR applies to purchases from date of account opening; 25-day grace period; No Annual Fee; 1% International Fee; $500 Minimum Credit Line; 1% Cash Back as Statement Credit
Fixed APR; Variable: n/a
As Low As; Business credit card
Visa Credit Card; Maximum Term: N/A; Footnote **: APR varies according to the US Prime Rate
- Oct 5, 202612.99%▲ from 12.74%
- Sep 14, 202612.74%first recorded
No additional details provided.
Intro rate 9.9% for first 3 months; Regular APR for purchases: 13.0% after 3 months; Cash advance APR: 18% (Fixed); Annual fee: $19.99; Cash advance fee: $5.00 - 1.0% whichever is greater, not to exceed $25; Late fee: $25.00; Apply in person only
As Low As; Your rate is determined by your credit history at the time of application
- Sep 21, 202613.00%▲ from 12.75%
- Sep 14, 202612.75%first recorded
Ask how to become a Preferred Member; Rates pertain to new loan business on or after 03/01/2025
APR* as low as...; Monthly Payment/$1,000: $25.00 (not a rate, excluded); Effective Date: 9/18/2026; Disclosure: APR = Annual Percentage Rate. Rates are variable.
As Low As; Maximum APR: 17.01%; APR is variable and based on the current prime rate
- Oct 26, 202613.00%▲ from 12.90%
- Oct 1, 202612.90%▲ from 12.75%
- Sep 14, 202612.75%first recorded
Published APR range: 13.20% - 15.20%. APR varies with the Prime Rate and credit history; Penalty APR:; Annual Fee:
- Oct 5, 202613.20%▲ from 12.95%
- Sep 26, 202612.95%first recorded
APR for Purchases: 13.24% - 18.00%; APR for Balance Transfers: 13.24% - 18.00%; APR for Cash Advances: 16.49% - 18.00%; APR varies with the market based on the Prime Rate
- Sep 17, 202613.24%▲ from 12.99%
- Sep 14, 202612.99%first recorded
Published APR range: 13.24% - 18.00%. APR for Balance Transfers: 13.24% - 18.00%; APR for Cash Advances: 16.49% - 18.00%; Contact our Commercial Team to Apply
- Sep 17, 202613.24%▲ from 12.99%
- Sep 14, 202612.99%first recorded
Standard Rate; Subject to credit approval; APR is variable and based on the Prime Rate
As Low As; Rates as Low as* table (Credit Cards, Personal Loans and Personal Line of Credit)
As Low As; Tru Signature Loans
Published APR range: 13.49% - 18.00%. Cash Advance APR: 15.49% - 18.00%; Annual Fee: $0; Purchase APR
Variable
As Low As; Credit card - Business; APR column
APR is variable and tied to the Wall Street Journal Prime Rate; Redeem 1 Point per Dollar Spent; No Annual Fees; No Cap on Rewards
As Low As; Business credit card
As Low As; Revolving; Prime-based | Rate stated as: 13.50% (Prime-based)
As Low As; APR for Purchases; Actual APR based on creditworthiness and varies with Prime Rate
Visa business credit card; quarterly variable APR; WSJ Prime index plus 7.99% margin; APR range: 13.74% or 16.74%
Published APR range: 13.74% to 18.00%.
- Oct 5, 202613.74%▲ from 13.49%
- Sep 14, 202613.49%first recorded
Max APR: 24.74%; Maximum Credit Limit $30,000
APR range: 13.74% - 25.74%; Applies to purchases and balance transfers; cash advances may be higher; APR is based on creditworthiness and calculated by adding a margin to the Prime Rate; cash advances and balance transfers do not earn Unitus Rewards Points
- Oct 9, 202613.74%▲ from 13.49%
- Sep 14, 202613.49%first recorded
Rate Type: Variable; Rates as of October 1, 2026; variable APR based on 13 Week U.S. Treasury Bill plus margin of 9.99%
As Low As; APR varies with the Prime Rate and is subject to quarterly change
As Low As; APR as low as 13.75%
As Low As; APR as low as 13.75%
Variable APR; Business Credit Card
As Low As; Purchases, Balance Transfers & Cash Advances; Variable APR based on Prime plus margin; Maximum APR 22.75%; Minimum credit limit $500
- Oct 26, 202613.75%▲ from 13.50%
- Sep 14, 202613.50%first recorded
As Low As; Credit card APR
- Sep 17, 202613.90%▲ from 13.65%
- Sep 14, 202613.65%first recorded
Purchases APR: 13.90%; Cash Advances APR: 15.90%; Balance Transfers APR: 13.90%
APR range 13.99% - 17.99% for APR for Purchases and APR for Cash Advances; variable APR; business card holders 13.99% - 17.99%; consumers 13.99% - 19.99%; rates effective as of September 25, 2026
- Sep 26, 202613.99%▲ from 13.74%
- Sep 14, 202613.74%first recorded
As Low As; Revolving; 2% of balance or $25 minimum payment
As Low As; Variable rate; Alternate rate: Prime + 7.00%
- Sep 22, 202614.00%▲ from 13.75%
- Sep 14, 202613.75%first recorded
As Low As; Balance Transfer APR: As low as 14.24%; Cash Advance APR: As low as 14.24%
- Sep 29, 202614.24%▲ from 13.99%
- Sep 14, 202613.99%first recorded
Intro/promo APR: 1.99%; As Low As; Intro APR (purchases only, not balance transfers or cash advances); Regular APR: 14.24% - 18.00%; Credit Line: $500 - $50,000
- Oct 26, 202614.24%▲ from 13.99%
- Sep 22, 202613.99%first recorded
APR range: 14.24% - 18.24%
- Sep 27, 202614.24%▲ from 13.99%
- Sep 14, 202613.99%first recorded
APR range: 14.25% - 20.00%; Learn More
As Low As; APR range 14.45% - 17.90%; variable APR based on Prime Rate
As Low As; Rates can adjust quarterly subject to Prime Rates. Maximum rate is 18%.
As Low As; Variable Rate; APR effective 10/1/2026; No annual fee; See Business Lending Rates for details
No additional details provided.
- Sep 18, 202614.49%▲ from 14.24%
- Sep 14, 202614.24%first recorded
As Low As; APR range 14.49% to 22.15%; Maximum Financed $50,000; Loan Amount $5,000 - $30,000; Purchase APR = Prime + 7.49% to Prime + 15.15%; Cash Advance APR = Purchase APR + 3%; Balance Transfer APR = Purchase APR + 3%; Penalty APR = Same as Purchase APR
- Oct 10, 202614.49%▲ from 14.24%
- Sep 14, 202614.24%first recorded
APR is variable and tied to the Wall Street Journal Prime Rate; Earn 1.00% Cash Back on Every Dollar; No Annual Fees; No Cap on Cash Back
Published APR range: 14.65%-21.00%. Variable APR+; APR is Prime Rate plus margin 7.65%-18.65%
- Oct 9, 202614.65%▲ from 14.40%
- Sep 14, 202614.40%first recorded
As Low As; variable rate, range 14.65% APR to 17.90% APR as of August 1, 2023; based on Prime Rate; credit limits starting at $500; no annual fee
Credit Score: 730
- Oct 13, 202614.70%▼ from 14.95%
- Oct 9, 202614.95%▲ from 14.70%
- Sep 14, 202614.70%first recorded
As Low As; APR* As Low As credit card rate
- Sep 25, 202614.75%▲ from 14.50%
- Sep 16, 202614.50%first recorded
Variable Rate; Range: 14.75% - 22.75%
Standard APR
Fixed APR; No annual fee; Minimum credit limit $5,000; Maximum credit limit $35,000
Annual fee $49.99; Earn 1.25 points on everyday purchases; Minimum credit limit $5,000; Maximum credit limit $35,000
Business credit card; Credit extended primarily to established customers that meet credit criteria
Up to $25,000; Standard Master Card; Business credit card
Credit Score: 700-729
- Oct 26, 202614.95%▲ from 14.70%
- Oct 19, 202614.70%▼ from 14.95%
- Sep 18, 202614.95%▲ from 14.70%
- Sep 14, 202614.70%first recorded
As Low As; Rates for purchases, cash advances and balance transfers; Grace period for repayment of purchases: 25 days on average; Balance computed on average daily balance (including new purchases); Rates effective January 1, 2023
Purchase APR as low as 15.00%; Cash Advance APR as low as 15.00%; APR reflects the current minimum APR offered
- Oct 23, 202615.00%▲ from 14.75%
- Oct 13, 202614.75%first recorded
As Low As; Variable Rate
Rates pertain to new loan business on or after 03/01/2025
Published APR range: 15.00%-17.95%. Beginning APR range
Variable
As Low As; Currently as low as; Maximum Term: Revolving; Must apply at one of our convenient branch locations
- Oct 19, 202615.49%▲ from 15.24%
- Oct 14, 202615.24%first recorded
Standard or Variable: Variable; APR (Annual Percentage Rate)
Intro rate expires: 12 months; Regular APR: 15.58%; Introductory APR applies to purchases and balance transfers made during first 180 days; Cash advance APR: 15.58%; Variable rate: Treasury Bill based, plus up to twelve percentage points
Credit Score: 730
- Oct 13, 202615.70%▼ from 15.95%
- Oct 9, 202615.95%▲ from 15.70%
- Sep 14, 202615.70%first recorded
Intro APR 1.99% for 6 months; Annual Fee:
Published APR range: 15.74% to 26.74%. 0% introductory APR for first 6 billing cycles from account opening; regular APR 15.74% to 26.74% based on creditworthiness, varies with Prime Rate; Annual Fee $0; Earn 1 ScoreCard point for every $1 spent; Credit limits up to $20,000 for businesses with gross annual revenues of $1 million or less
Published APR range: 15.74% - 24.74%. Intro rate expires: 12 months (0% APR on balance transfers and purchases); Regular APR: 15.74% - 24.74%; Revolving; Earn 1.5% cashback rewards on purchases; Rates current as of 10/1/2026
- Oct 14, 202615.74%▲ from 15.49%
- Sep 14, 202615.49%first recorded
Business credit card; Regular APR: 15.75%
As Low As; Variable; Maximum Credit: $50,000; Revolving term & no annual fee
No additional details provided.
- Oct 5, 202615.75%▼ from 16.50%
- Sep 14, 202616.50%first recorded
Regular APR for purchases; variable, based on Prime Rate. APR for Balance Transfers: 15.75% (in effect until balance is paid in full).
- Oct 13, 202615.75%▲ from 9.00%
- Oct 9, 20269.00%first recorded
Fixed APR; Business Visa Credit Cards
As Low As; Purchases 15.90% APR, Balance Transfers 15.90% APR, Cash Advances 15.90% APR
As Low As; Fixed rate; Credit Card Programs (5)
Credit Score: 700-729
- Oct 26, 202615.95%▲ from 15.70%
- Oct 19, 202615.70%▼ from 15.95%
- Sep 18, 202615.95%▲ from 15.70%
- Sep 14, 202615.70%first recorded
Credit Score: 650-674
- Sep 18, 202615.95%▲ from 10.70%
- Sep 14, 202610.70%first recorded
Intro/promo APR: 5.99%; Intro rate expires: 6 billing cycles; Regular APR: 15.99% (prime + 8.99%); $40.00 annual fee (waived if purchases total over $2,500.00 in the 12 month period); APR varies with Prime Rate
APR range: 15.99% - 32.99%; Variable; Variable rate based on WSJ Prime plus margin; Rates effective as of 10/1/26
- Oct 10, 202615.99%▲ from 15.74%
- Sep 14, 202615.74%first recorded
Published APR range: 15.99% - 24.99%. Variable rate; Rate will vary based on the Prime Rate as reported in Wall Street Journal on the last business day of the previous calendar month; Earn 1% cash back on purchases; Rewards earned monthly; Cash back deposited monthly into Cash Back Rewards Savings account; 25-day grace period; No balance transfer fee; No annual fee
- Oct 10, 202615.99%▲ from 15.74%
- Sep 14, 202615.74%first recorded
Published APR range: 16.24%-25.24%. Intro rate expires: 6 months; Regular APR: 16.24%-25.24% variable; Intro APR applies to purchases and balance transfers
No additional details provided.
Annual Percentage Rate (APR) for Purchases; Not available for IRAs or Business. Promotion may be discontinued at any time
As Low As; APR range 16.49% to 24.15%; Maximum Financed $50,000; Loan Amount $5,000 - $30,000; Purchase APR = Prime + 9.49% to Prime + 17.15%; Cash Advance APR = Purchase APR + 3%; Balance Transfer APR = Purchase APR + 3%; Penalty APR = Same as Purchase APR
- Oct 10, 202616.49%▲ from 16.24%
- Sep 14, 202616.24%first recorded
APR range: 16.50% - 20.50%; Rates are tiered based on credit score
Published APR range: 16.74% to 20.74%. Intro rate expires: 6 billing cycles from date of account opening; Regular APR: 16.74% to 20.74% (based on creditworthiness, varies with Prime Rate); Earn 1.5 ScoreCard points for every $1 spent; Annual Fee $0; Credit limits up to $20,000 for businesses with gross annual revenues of $1 million or less
Published APR range: 16.74%-18.00%. Regular APR: 16.74%-18.00% Variable; Balance Transfer APR: N/A
As Low As; Intro rate 13.99% for 6 months; Regular APR: 16.74% - 22.99%, based on Prime Rate plus a margin
- Oct 14, 202616.74%▼ from 18.99%
- Oct 10, 202618.99%▲ from 16.74%
- Sep 14, 202616.74%first recorded
Variable APR; Business Credit Card
No additional details provided.
Fixed APR; Business Visa Credit Cards
Credit Score: 675-699
- Oct 26, 202616.95%▲ from 15.70%
- Oct 19, 202615.70%▼ from 16.95%
- Sep 18, 202616.95%▲ from 15.70%
- Sep 14, 202615.70%first recorded
Published APR range: 16.99% - 28.74%. Intro rate expires: 12 months from account opening; Regular APR: 16.99% - 28.74%; Annual Fee: $0; Welcome offer: AS HIGH AS $500 Statement Credit after $5,000 in purchases within first 3 months
Published APR range: 16.99% - 17.99%.
As Low As; variable; Member Perks APR: N/A
- Oct 5, 202616.99%▲ from 16.74%
- Sep 14, 202616.74%first recorded
As Low As; Business credit card; rates subject to applicant credit
- Oct 19, 202616.99%▲ from 16.98%
- Sep 14, 202616.98%first recorded
Intro rate expires: 12 months; Regular APR: 16.99% - 24.99% variable; Bonus: $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months; Unlimited 2% cash rewards on purchases made for your business; Annual fee $0; APR range: 16.99% - 24.99% variable
Intro/promo APR: 1.99%; Intro APR on purchases for 6 months (first 6 months after opening); Intro APR on balance transfers 1.99% for first 6 months; Regular APR: 17.00% up to 29.25%; Cash advance APR: 25.50% up to 30.50%; Annual fee $0 first 12 months, then $50; Rewards 1.25 points per $1
Rates as of 10/25/26 and subject to change; Credit card rates are variable
- Oct 5, 202617.00%▲ from 16.75%
- Sep 14, 202616.75%first recorded
Intro rate expires: 9 months; Regular APR: 17.49% (quote based on Prime Rate in effect as of January 1, 2026); No Annual Fee; Bonus: 20,000 bonus points after $2,000 in Net Purchases within 90 days of opening; 2X points on top two merchant categories each month, 1 point per dollar elsewhere
Published APR range: 17.49%-18.00%. APR for Purchases, Balance Transfers, Cash Advances; Effective Date: 02.01.2026
APR is variable and tied to the Wall Street Journal Prime Rate; Earn 1.50% Cash Back or Redeem 1 Point per Dollar Spent; $95 Annual Fee; No Cap on Cash Back or Rewards
Intro APR 1.99% for 6 months; Annual Fee: $50; Earn 1 Reward Point for Every $1 Spent
Published APR range: 17.74%-26.74%. Intro rate expires: 6 billing cycles; Regular APR: 17.74%-26.74% variable; Intro APR applies to purchases and balance transfers; 1 point per dollar on net purchases
Fixed APR; Business Visa Credit Cards
No additional details provided.
As Low As; Credit Card
- Oct 26, 202617.90%▲ from 17.75%
- Oct 13, 202617.75%first recorded
Published APR range: 17.99% - 28.74%. APR on purchases is variable, based on creditworthiness at account opening; Annual Fee: $375; Welcome offer: AS HIGH AS 200,000 Membership Rewards Points after $15,000 in purchases within first 3 months
Published APR range: 17.99% - 28.74%. APR on purchases is variable, based on creditworthiness at account opening; Annual Fee: $895; Welcome offer: AS HIGH AS 300,000 Membership Rewards Points after $20,000 in purchases within first 3 months
Published APR range: 17.99% to 26.99%. Intro rate expires: 9 billing cycles; Regular APR: 17.99% to 26.99%; APR for Balance Transfers: 17.99% to 26.99%; APR for Cash Advances: 27.99%; APR for Cash Advances for Overdraft Protection Transfers: 27.99%; Penalty APR: 29.99%; Minimum Interest Charge:
- Oct 20, 202617.99%▲ from 17.74%
- Sep 27, 202617.74%▲ from 15.74%
- Sep 24, 202615.74%first recorded
APR range: 17.99% - 32.99%; Variable; Variable rate based on WSJ Prime plus margin; Rates effective as of 10/1/26
- Oct 10, 202617.99%▲ from 17.74%
- Sep 14, 202617.74%first recorded
APR varies with the market based on the Prime Rate; 2% monthly cashback on purchases; No foreign transaction fees, no balance transfer fee
No additional details provided.
Credit Card Rate Trends
Weekly average APRs, compiled from 8,500+ banks & credit unions, updated nightly.
Standard Credit Card rates fell 0.054 points this week to 11.907%, down from 11.961% last week.
Cash Back Card rates rose 0.023 points this week to 13.967%, up from 13.944% last week.
Credit Card Rate Trends
Weekly average APRs. Hover to see exact rates for each day.
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 11.91%, 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 | $9.92 | 5 mo | $25 |
| $2,500 | $24.81 | 11 mo | $146 |
| $5,000 | $49.61 | 1 yr 11 mo | $601 |
| $10,000 | $99.22 | 4 yrs 4 mo | $2,804 |
| $15,000 | $148.84 | 7 yrs 8 mo | $7,908 |
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 11.91% 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 | $4,206 | — |
| Fixed $150 every month | 3 yrs 5 mo | $1,101 | $3,105 |
| Fixed $250 every month | 1 yr 11 mo | $601 | $3,605 |
| Fixed $400 every month | 1 yr 2 mo | $365 | $3,842 |
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 3.99% APR from Northeastern Operating Engineers 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
What are credit card rates today?
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
- Northeastern Operating Engineers Federal Credit Union: 3.99% APR (Visa Credit Card)
- Midwest America Federal Credit Union: 4.05% APR (Credit Builder)
- First National Bank of Omaha: 4.20% APR (Unsecured Rate)
- Oxford Federal Credit Union: 4.90% APR (Secured VISA Credit Card)
- North Memorial Federal Credit Union: 4.90% APR (VISA Lifestyle)
Credit Card Calculators
