Bank · FDIC insured
Banesco USA Credit Card Rates
Banesco USA credit card rates start at 15.50% APR. Rates checked October 15, 2026.
How Banesco USA’s credit card rates compare
Compared with banks and credit unions near Miami, FL, where Banesco USA has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Banesco USA
– –
No ongoing APR published
Lowest rate
Hialeah Municipal Employees Federal Credit Union
7.99%APR
2nd-lowest rate
First Choice Credit Union
8.75%APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum (No Annual Fee)
Credit cards are secured by a personal Certificate of Deposit (pledged CD must be at least 110% of the credit line). Minimum credit line is $5,000. Must be at least 18 years of age. Available to international clients. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% APR Intro Rate for 7 billing cycles. |
| Ongoing | 17.50% | None | Variable rate based on the Prime Rate after introductory period. Balance transfer fee either $5 or 3% of the amount of each transfer, whichever is greater. |
Sources (1)
- banescousa.com/personal/credit-cards/int · captured Oct 7, 2026
Platinum Cash Back Rewards
Credit cards are secured by a personal Certificate of Deposit (pledged CD must be at least 110% of the credit line). Minimum credit line is $5,000. Must be at least 18 years of age. Available to international clients. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | $35 | 0% APR Intro Rate for 7 billing cycles. Unlimited 1% cash back on qualified purchases. |
| Ongoing | 15.50% | $35 | Variable rate based on the Prime Rate after introductory period. Balance transfer fee either $5 or 3% of the amount of each transfer, whichever is greater. |
Sources (1)
- banescousa.com/personal/credit-cards/int · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.