Bank · FDIC insured
Cogent Bank Credit Card Rates
Cogent Bank credit card rates start at 16.50% APR. Rates checked October 15, 2026.
How Cogent Bank’s credit card rates compare
Compared with banks and credit unions in Florida, where Cogent Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Cogent Bank
– –
- Up to
- —
No ongoing APR published
Lowest rate
Oxford Federal Credit Union
6.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Innovations Financial Credit Union
7.50%APR
- Up to
- 16.75% 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.
Personal Platinum Benefits Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% intro Annual Percentage Rate (APR) on purchases for the first 7 billing cycles after account opening. |
| Ongoing | 18.50% | None | Variable APR based on the Prime Rate after introductory period. |
Sources (1)
- cogentbank.com/personal-banking/banking/credit-cards · captured Oct 5, 2026
Platinum Cash Back Rewards Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | $35 | 0% intro APR on purchases for the first 7 billing cycles after account opening. |
| Ongoing | 16.50% | $35 | Variable APR based on the Prime Rate after introductory period. |
Sources (1)
- cogentbank.com/personal-banking/banking/credit-cards · captured Oct 5, 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.