Bank · FDIC insured
United Bank Credit Card Rates
Top CarrotUnited Bank credit cards start at 11.75% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How United Bank’s credit card rates compare
Compared with banks and credit unions near Daphne, AL, where United Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
United Bank
11.75%APR
- Annual fee
- $25
- Up to
- —
Visa Platinum
Lowest rate
Alabama Credit Union
8.90%APR
- Annual fee
- None
- Up to
- 12.90% APR
2nd-lowest rate
Mobile Educators Credit Union
8.90%APR
- Annual fee
- None
- Up to
- —
United Bank credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR11.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United 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.
Visa Classic
Subject to credit approval. $20 annual fee waived with a United Bank deposit account. 25-day grace period. International transaction fee of 1% applies to transactions outside of the United States.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.75% | $20 | $20 annual fee waived with a United Bank deposit account. 25-day grace period. Applies to purchases, cash advances and balance transfers. Subject to credit approval. |
Sources (1)
- unitedbank.com/borrow/personal/visa-credit-cards · captured Oct 22, 2026
Visa Platinum
Subject to credit approval. $25 annual fee waived with a United Bank deposit account. 25-day grace period. International transaction fee of 1% applies to transactions outside of the United States. Earn points with every qualified card purchase.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.75% | $25 | $25 annual fee waived with a United Bank deposit account. 25-day grace period. Applies to purchases, cash advances and balance transfers. Subject to credit approval. |
Sources (1)
- unitedbank.com/borrow/personal/visa-credit-cards · captured Oct 22, 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.