Best Credit Card Rates & Offers for November 2026
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 27.74% APR, verified by MonitorBankRates as of November 9, 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 Fed Funds Borrowed - 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 November 9, 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: November 9, 2026
Credit limit: $15,000
$5,000; As Low As; Max. amount $5,000; Rates effective 10/1/26
Borrowed; As of September 16, 2026 FOMC Meeting; Fed funds cutoff time 3:00PM CT; subject to change without notice
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
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; 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; Cash Advance Fee:; Annual Fee:
- Oct 14, 20267.00%▲ from 6.75%
- Sep 18, 20266.75%first recorded
Fixed rate; no annual fees; no balance transfer fees; uChoose Rewards (1x, including cash back)
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; 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
Annual Percentage Rate for Purchases and Cash Advances; Minimum Credit Limit: $5,000; Maximum Credit Limit: $20,000; Annual Fee: NO FEE; Grace Period for Purchases: Twenty-five (25) days; Method of Computing the Balance for Purchases: Average daily balance (including new transactions); Minimum Payments: greater of $10 or 3.0% of outstanding balance; Late Fee: 5% of past due amount with minimum charge of $5, or required minimum payment, not to exceed $25; Free Additional Benefits: Rental Car Collision Damage, $1,000,000 Travel Accident Insurance, Concierge program, $1,000 ID Theft Protection, Purchase Security & Extended Protection; Over Limit Fee: $20 for each payment period account balance exceeds the credit limit
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
Annual Percentage Rate for Purchases and Cash Advances; Minimum Credit Limit: $2,000; Maximum Credit Limit: $20,000; Annual Fee: NO FEE; Grace Period for Purchases: Twenty-five (25) days; Method of Computing the Balance for Purchases: Average daily balance (including new transactions); Minimum Payments: greater of $10 or 3.0% of outstanding balance; Late Fee: 5% of past due amount with minimum charge of $5, or required minimum payment, not to exceed $25; Free Additional Benefits: Rental Car Collision Damage, $1,000,000 Travel Accident Insurance, Concierge program, $1,000 ID Theft Protection, Purchase Security & Extended Protection; Over Limit Fee: $20 for each payment period account balance exceeds the credit limit
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
Low-rate 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
A great card with a great rate. Additional benefits include: $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 (Complete online at https://www.ezcardinfo.com/); No Annual Fee; 25-Day Grace Period on Retail Purchases; Plus earn 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; APR for purchases: Variable Rate, Prime plus 3.50% to 9.00% (WSJ Prime); Cash advance APR: Variable Rate, Prime plus 3.50% to 9.00%; Special feature: Earn 1 point for every $1 you spend (cash advances and transfers do not earn points; points redeemable for travel and merchandise, not cash); Credit limit $500 to $50,000; Grace period 27 days; Transaction fee for purchases:; Annual fee:
- Oct 15, 202610.50%▲ from 10.25%
- Oct 12, 202610.25%▼ from 10.50%
- Oct 4, 202610.50%▲ from 10.25%
- Sep 16, 202610.25%first recorded
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
Published APR range: 11.49% to 16.49%. Variable APR; Minimize your monthly payment with our lowest rate; Travel Accident Insurance/Emergency Assistance; Auto Rental Collision Damage Waiver; Debt Protection (Life Plus, Disability & Unemployment); Visa Purchase Alerts; No annual fee, balance transfer fee or cash advance fee; SCOREMORE DEALS (eZCard)
- Nov 3, 202611.49%▲ from 11.24%
- Sep 14, 202611.24%first recorded
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
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 $6,000; New money only; Special Promotional Rate, subject to change at anytime
- Nov 7, 20265.49%▼ from 6.24%
- Sep 28, 20266.24%first recorded
Borrow up to $3,500
- Oct 9, 20265.74%▲ from 5.24%
- Sep 28, 20265.24%first recorded
Borrow up to $6,000; Special Promotional Rate, subject to change at anytime
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; Business unsecured line of credit; Membership qualifications apply
Revolving / up to $50,000
Rate range: 7.99% to 12.99%; Relationship Pricing Model
As Low As; Variable Rate
- Oct 5, 20268.99%▲ from 8.74%
- Sep 14, 20268.74%first recorded
As Low As; Rates as low as 8.99%-18.00% APR
As Low As; no application fee, no annual fee, no balance transfer fee, no cash advance fee, 1% foreign transaction fee
As Low As; variable
- Oct 5, 20269.00%▲ from 8.75%
- Sep 14, 20268.75%first recorded
As Low As; Purchase APR 9.00% (varies with Prime Rate); Balance Transfer APR 9.00% (varies with Prime Rate); Cash Advance APR 9.00% (varies with Prime Rate); Minimum Interest Charge
- Oct 19, 20269.00%▼ from 9.50%
- Sep 14, 20269.50%first recorded
Published rate range: 9.00% - 13.15%. Balance: $5,000 - $49,999; Variable rate based on WSJ Prime Rate applied to end of business day outstanding balance (Prime plus applicable margin based on creditworthiness); Annual fee $75 for $10,000 - $49,999 ($50 for $5,000 - $9,999)
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 Card Rate Trends
Weekly average APRs, compiled from 8,500+ banks & credit unions, updated nightly.
Standard Credit Card rates fell 0.006 points this week to 11.951%, down from 11.956% last week.
Cash Back Card rates fell 0.020 points this week to 13.921%, down from 13.940% 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 11.95%, 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 | $9.96 | 5 mo | $26 |
| $2,500 | $24.90 | 11 mo | $147 |
| $5,000 | $49.79 | 1 yr 11 mo | $604 |
| $10,000 | $99.59 | 4 yrs 4 mo | $2,818 |
| $15,000 | $149.38 | 7 yrs 8 mo | $7,961 |
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 11.95% 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 | $4,223 | , |
| Fixed $150 every month | 3 yrs 5 mo | $1,106 | $3,117 |
| Fixed $250 every month | 1 yr 11 mo | $604 | $3,619 |
| Fixed $400 every month | 1 yr 2 mo | $366 | $3,857 |
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 to 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 to 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 (Fed Funds Borrowed - 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
