Compare Bank & Credit Union Rates
Best credit card rates in Birmingham, AL
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–14 of 14 in Birmingham, AL · median 11.82% APR
- 7.80%APRas low as
Terms
APR as low as 7.80%. Rate depends on underwriting and creditworthiness.
Credit card score 95 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 12.90%
8.90% APR, up to 12.90%
Terms
Purchase rate. 25-day grace period for new purchases.
Credit card score 89 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed standard APR. No annual fee. No balance transfer fee.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed APR of 9.90% applies to purchases, balance transfers, and cash advances (monthly periodic rate of 0.8250%). Interest-free grace period of at least 25 days on purchases and balance transfers if paid in full by due date; interest on cash advances begins on transaction date. Minimum payment is 3.00% of total new balance or $20.00, whichever is greater. No annual fee. No foreign transaction fee.
Credit card score 84 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Rate based on creditworthiness; revolving term.
Credit card score 84 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
All rates shown are as low as. Actual interest rates may vary based on credit history. 25-day grace period on purchases with a zero prior month balance.
Credit card score 82 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Low APRs starting at 11.00%. Membership eligibility required; subject to credit approval. 25-day grace period. No annual fees.
Credit card score 77 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.65%APRas low as · up to 21.75%
12.65% APR, up to 21.75%
Terms
Variable APR. Minimum credit limit $5,000.
Credit card score 69 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 12.65%APRas low as
Credit card score 69 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 13.25%APRas low as · up to 18.00%
13.25% APR, up to 18.00%
Terms
Credit Limits of Up to $10,000.
Credit card score 66 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Variable APR for Purchases determined monthly by adding 6.99% margin to Prime Rate (7.00% as of September 17, 2026). Introductory $0 annual fee for the first year, after that $450 (waived for eligible Wealth clients).
Credit card score 61 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as · up to 28.49%
17.74% APR, up to 28.49%
Terms
17.74%, 24.24% or 28.49% variable APR thereafter.
Credit card score 60 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 18.49%APRas low as · up to 27.99%
18.49% APR, up to 27.99%
Terms
Variable APR
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 26.74%APRas low as
Terms
Standard APR for Purchases varies with the market based on WSJ Prime Rate + margin of 19.74%.
Credit card score 60
Rate checked · Credit cards rates on its site
Rates and branches
Each institution’s lowest ongoing purchase APR on a regular card (not an introductory or balance transfer rate): usually its best-credit rate. A rate that needs another account or similar says “with conditions”; More filters can leave those, or cards with an annual fee, out. Secured, business and credit-builder cards are left out. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What credit cards charge in Birmingham, AL
14 banks and credit unions · checked Oct 16–22
- Typical
- 11.82%
- Top 10% up to
- 8.90%
- Banks, typical
- 18.12%
- Credit unions, typical
- 9.94%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Birmingham, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ASE Credit UnionCredit union · 1 branch
- AOD Federal Credit UnionCredit union · 1 branch
- AmFirstCredit union · 17 branches