Penalty APR Rankings

115 cards ranked lowest to highest. Range: 21% – 33%. Median: 30%.

RankCardPenalty APRvs. All Cards
1stMy Best Buy Visa Card
Citibank
21%
Better than 92%
1stCiti Dividend Card
Citibank
21%
Better than 92%
1stThe Home Depot Consumer Credit Card
Citibank
21%
Better than 92%
1stL.L.Bean Mastercard
Citibank
21%
Better than 92%
1stMacy's American Express Card
Citibank
21%
Better than 92%
1stCiti Premier Card
Citibank
21%
Better than 92%
1stCiti Prestige Card
Citibank
21%
Better than 92%
1stShop Your Way Mastercard
Citibank
21%
Better than 92%
1stCiti ThankYou Preferred Card
Citibank
21%
Better than 92%
10thChase Aeroplan® Credit Card
Chase
23%
Better than 63%
10thAmazon Prime Visa
Chase
23%
Better than 63%
10thAmazon Visa
Chase
23%
Better than 63%
10thWorld of Hyatt Business Credit Card
Chase
23%
Better than 63%
10thIHG One Rewards Premier Business Credit Card
Chase
23%
Better than 63%
10thInk Business Cash® Credit Card
Chase
23%
Better than 63%
10thInk Business Preferred® Credit Card
Chase
23%
Better than 63%
10thSouthwest® Rapid Rewards® Performance Business Credit Card
Chase
23%
Better than 63%
10thSouthwest® Rapid Rewards® Premier Business Credit Card
Chase
23%
Better than 63%
10thUnited Club℠ Business Card
Chase
23%
Better than 63%
10thUnited℠ Business Card
Chase
23%
Better than 63%
10thDisney® Inspire Visa® Card
Chase
23%
Better than 63%
10thDisney® Premier Visa® Card
Chase
23%
Better than 63%
10thDisney® Visa® Card
Chase
23%
Better than 63%
10thDoorDash Rewards Mastercard®
Chase
23%
Better than 63%
10thChase Freedom Flex℠
Chase
23%
Better than 63%
10thChase Freedom Unlimited®
Chase
23%
Better than 63%
10thWorld of Hyatt Credit Card
Chase
23%
Better than 63%
10thIHG One Rewards Premier Credit Card
Chase
23%
Better than 63%
10thIHG One Rewards Traveler Credit Card
Chase
23%
Better than 63%
10thChase Ink Business Unlimited®
Chase
23%
Better than 63%
10thInstacart Mastercard®
Chase
23%
Better than 63%
10thMarriott Bonvoy Bold® Credit Card
Chase
23%
Better than 63%
10thMarriott Bonvoy Boundless® Credit Card
Chase
23%
Better than 63%
10thMarriott Bonvoy Bountiful™ Credit Card
Chase
23%
Better than 63%
10thChase Sapphire Preferred
Chase
23%
Better than 63%
10thChase Sapphire Reserve®
Chase
23%
Better than 63%
10thSouthwest Rapid Rewards® Plus Credit Card
Chase
23%
Better than 63%
10thSouthwest Rapid Rewards® Premier Credit Card
Chase
23%
Better than 63%
10thSouthwest Rapid Rewards® Priority Credit Card
Chase
23%
Better than 63%
10thUnited Club℠ Infinite Card
Chase
23%
Better than 63%
10thUnited℠ Explorer Card
Chase
23%
Better than 63%
10thUnited Gateway℠ Credit Card
Chase
23%
Better than 63%
10thUnited Quest℠ Card
Chase
23%
Better than 63%
44thAmex Blue Cash Everyday
American Express
27%
Better than 58%
44thAmex Blue Cash Preferred
American Express
27%
Better than 58%
44thAmex Cash Magnet
American Express
27%
Better than 58%
44thBlue Cash Preferred Card from American Express Exclusively for Morgan Stanley
American Express
27%
Better than 58%
44thCharles Schwab Investor Credit Card from American Express
American Express
27%
Better than 58%
49thAmex Blue Business Cash Card
American Express
30%
Better than 4%
49thThe Blue Business Plus Credit Card from American Express
American Express
30%
Better than 4%
49thAmex Delta SkyMiles® Gold Business Card
American Express
30%
Better than 4%
49thAmex Delta SkyMiles® Platinum Business Card
American Express
30%
Better than 4%
49thAmex Delta SkyMiles® Reserve Business Card
American Express
30%
Better than 4%
49thAmex Business Gold Card
American Express
30%
Better than 4%
49thAmex Graphite® Business Cash Unlimited Card
American Express
30%
Better than 4%
49thBusiness Green Rewards Card from American Express
American Express
30%
Better than 4%
49thAmex Hilton Honors Business Card
American Express
30%
Better than 4%
49thAmex Marriott Bonvoy Business Card
American Express
30%
Better than 4%
49thAmex Business Platinum Card®
American Express
30%
Better than 4%
49thCenturion Card from American Express
American Express
30%
Better than 4%
49thAmex Delta SkyMiles Blue
American Express
30%
Better than 4%
49thAmex Delta SkyMiles Gold
American Express
30%
Better than 4%
49thAmex Delta SkyMiles Platinum
American Express
30%
Better than 4%
49thDelta SkyMiles Reserve American Express Card
American Express
30%
Better than 4%
49thAmex EveryDay
American Express
30%
Better than 4%
49thGold Rewards Card
American Express
30%
Better than 4%
49thAmex Green Card
American Express
30%
Better than 4%
49thHilton Honors American Express Aspire Card
American Express
30%
Better than 4%
49thAmex Hilton Honors
American Express
30%
Better than 4%
49thHilton Honors American Express Surpass Card
American Express
30%
Better than 4%
49thMarriott Bonvoy Bevy American Express Card
American Express
30%
Better than 4%
49thMarriott Bonvoy American Express Card
American Express
30%
Better than 4%
49thMarriott Bonvoy Brilliant American Express Card
American Express
30%
Better than 4%
49thOptima® Platinum Card
American Express
30%
Better than 4%
49thAmex Optima Card
American Express
30%
Better than 4%
49thAmex Platinum Card
American Express
30%
Better than 4%
49thAir France KLM World Elite Mastercard®
Bank of America
30%
Better than 4%
49thAlaska Airlines Visa® Business Card
Bank of America
30%
Better than 4%
49thAlaska Airlines Visa Signature®
Bank of America
30%
Better than 4%
49thAllegiant World Mastercard®
Bank of America
30%
Better than 4%
49thBusiness Advantage Customized Cash Rewards Mastercard®
Bank of America
30%
Better than 4%
49thBusiness Advantage Travel Rewards World Mastercard®
Bank of America
30%
Better than 4%
49thBusiness Advantage Unlimited Cash Rewards Mastercard®
Bank of America
30%
Better than 4%
49thCelebrity Cruises® Visa Signature®
Bank of America
30%
Better than 4%
49thBank of America Customized Cash Rewards
Bank of America
30%
Better than 4%
49thFree Spirit® Travel More World Elite Mastercard®
Bank of America
30%
Better than 4%
49thFree Spirit® Travel Mastercard®
Bank of America
30%
Better than 4%
49thNorwegian Cruise Line® World Mastercard®
Bank of America
30%
Better than 4%
49thPlatinum Plus® Mastercard® Business card
Bank of America
30%
Better than 4%
49thBank of America Premium Rewards Elite
Bank of America
30%
Better than 4%
49thBank of America Premium Rewards
Bank of America
30%
Better than 4%
49thRoyal Caribbean® Visa Signature®
Bank of America
30%
Better than 4%
49thSonesta World Mastercard®
Bank of America
30%
Better than 4%
49thSusan G. Komen® Customized Cash Rewards Visa®
Bank of America
30%
Better than 4%
49thBank of America Travel Rewards
Bank of America
30%
Better than 4%
49thBank of America Unlimited Cash Rewards
Bank of America
30%
Better than 4%
49thVirgin Atlantic World Elite Mastercard®
Bank of America
30%
Better than 4%
49thWorld Wildlife Fund Customized Cash Rewards Visa®
Bank of America
30%
Better than 4%
49thCiti® / AAdvantage® Executive World Elite Mastercard®
Citi
30%
Better than 4%
49thAmerican Airlines AAdvantage® MileUp® Mastercard®
Citi
30%
Better than 4%
49thCiti® / AAdvantage® Platinum Select® World Elite Mastercard®
Citi
30%
Better than 4%
49thAT&T Points Plus® Card from Citi
Citi
30%
Better than 4%
49thCitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Citi
30%
Better than 4%
49thCostco Anywhere Visa® Business Card by Citi
Citi
30%
Better than 4%
49thCostco Anywhere Visa® Card by Citi
Citi
30%
Better than 4%
49thCiti Custom Cash® Card
Citi
30%
Better than 4%
49thCiti® Diamond Preferred® Card
Citi
30%
Better than 4%
49thCiti Double Cash® Card
Citi
30%
Better than 4%
49thCiti Rewards+® Card
Citi
30%
Better than 4%
49thCiti Strata Premier℠ Card
Citi
30%
Better than 4%
49thFNBO Evergreen® Rewards Visa®
First National Bank of Omaha (FNBO)
30%
Better than 4%
112thUSAA® Cashback Rewards Plus American Express® Card
USAA
32%
Better than 2%
112thUSAA® Rate Advantage Visa Platinum® Card
USAA
32%
Better than 2%
114thFifth Third 1.67% Cash/Back Card
Fifth Third Bank
33%
Better than 0%
114thPNC Cash Rewards® Visa® Credit Card
PNC Bank
33%
Better than 0%