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Via Consumer Reports:

The card issuers that scored exceptionally well in our Ratings–USAA Federal Savings, the Navy Federal Credit Union, and a group of other credit unions–also charged median interest rates between 9 and 11 percent, compared with the 17 percent imposed by the two issuers at the bottom of the Ratings.

USAA Federal Savings, which issues American Express- and MasterCardbranded cards, earned a reader score of 95 out of a possible 100. That’s one of the highest scores we have seen in recent years. The Navy Federal Credit Union, which offers MasterCard and Visa, was also very highly rated by our readers, as were the other credit unions.

The survey, which was based on the experiences of over 36,000 readers with over 61,000 banks, found that credit unions offered the lowest rates since they are run by members who have a vested interest in making their customers happy. Some of the biggest and more well-known banks earned the lowest scores in the ratings, as their primary concern is keeping their investors happy. Something to consider next time you’re thinking about opening a credit card with a big-name bank.