Bank · FDIC insured
Colony Bank Credit Card Rates
Colony Bank credit cards start at 14.49% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Colony Bank’s credit card rates compare
Compared with banks and credit unions near Atlanta, GA, where Colony Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Colony Bank
12.74%APR
- Annual fee
- $95
- Up to
- —
Signature Preferred Choice Rewards
Lowest rate
Faith Connection FCU
8.90%APR
- Annual fee
- None
- Up to
- 17.90% APR
2nd-lowest rate
Family First Credit Union
8.90%APR
- Annual fee
- None
- Up to
- 17.90% APR
Colony Bank credit card score
63
Credit card score
Higher than 8% of U.S. banks and credit unions
- Purchase APRPurchase APR14.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Colony Bank ranks
By credit card score, in each area where it has branches
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.
Cash Rewards and Travel Rewards
Variable APR based on the Prime Rate. Disclosed across four creditworthiness tiers. No annual fee. Minimum interest charge $1.50.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.49% | None | Tier 1 purchase APR. Variable based on Prime Rate (Prime + 7.74% margin). |
| Intro, 6 months | 9.49% | None | Introductory APR for balance transfers for the first 6 billing cycles after account opening. Variable based on Prime Rate (Prime + 2.74% margin). Reverts to standard balance transfer APR if late payment is made. |
| Ongoing | 27.49% | None | Cash advances and cash equivalent transactions APR. Variable based on Prime Rate (Prime + 20.74% margin). |
| Ongoing | 18.49% | None | Tier 2 purchase APR. Variable based on Prime Rate (Prime + 11.74% margin). |
| Ongoing | 21.49% | None | Tier 3 purchase APR. Variable based on Prime Rate (Prime + 14.74% margin). |
| Ongoing | 23.49% | None | Tier 4 purchase APR. Variable based on Prime Rate (Prime + 16.74% margin). |
Sources (6)
- colony.bank/wp-content/uploads…te-Sheet-AA-12.15.25.pdf
- colony.bank/wp-content/uploads…te-Sheet-BB-12.15.25.pdf
- colony.bank/wp-content/uploads…te-Sheet-CC-12.15.25.pdf
- colony.bank/wp-content/uploads…te-Sheet-DD-12.15.25.pdf
- colony.bank/wp-content/uploads…Disclosures-12.15.25.pdf
- colony.bank/personal/lending/credit-cards
All captured Sep 18, 2026
Secured Card
Account is secured by a designated deposit of 110% of authorized credit limit. $35 annual fee. Minimum interest charge $1.50. Variable APR based on Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 25.49% | $35 | Purchase APR. Variable based on Prime Rate (Prime + 18.74% margin). |
| Ongoing | 27.49% | $35 | Cash advances and cash equivalent transactions APR. Variable based on Prime Rate (Prime + 20.74% margin). |
Signature Choice Rewards
Variable APR based on Prime Rate. No annual fee. Minimum interest charge $1.50.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.49% | None | Purchase APR. Variable based on Prime Rate (Prime + 7.74% margin). |
| Intro, 6 months | 9.49% | None | Introductory APR for balance transfers for first 6 billing cycles after account opening. Variable based on Prime Rate (Prime + 2.74% margin). Reverts to standard APR if late payment made. |
| Ongoing | 27.49% | None | Cash advances and cash equivalent transactions APR. Variable based on Prime Rate (Prime + 20.74% margin). |
Signature Preferred Choice Rewards
$95 annual fee. Minimum interest charge $1.50. Variable APR based on Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74% | $95 | Purchase APR. Variable based on Prime Rate (Prime + 5.74% margin). |
| Intro, 6 months | 9.49% | $95 | Introductory APR for balance transfers for first 6 billing cycles after account opening. Variable based on Prime Rate (Prime + 2.49% margin). Reverts to standard APR if late payment made. |
| Ongoing | 27.74% | $95 | Cash advances and cash equivalent transactions APR. Variable based on Prime Rate (Prime + 20.74% margin). |
Signature Preferred Private Banking Rewards
$95 annual fee. Minimum interest charge $1.50. Variable APR based on Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49% | $95 | Purchase APR. Variable based on Prime Rate (Prime + 5.74% margin). |
| Intro, 6 months | 9.49% | $95 | Introductory APR for balance transfers for first 6 billing cycles after account opening. Variable based on Prime Rate (Prime + 2.74% margin). Reverts to standard APR if late payment made. |
| Ongoing | 27.49% | $95 | Cash advances and cash equivalent transactions APR. Variable based on Prime Rate (Prime + 20.74% margin). |
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.