Compare Bank & Credit Union Rates
Best credit card rates in Cullman, 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 1–7 of 7 in Cullman, AL · median 12.40% 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 - 12.40%APRas low as
Terms
Rates as low as 12.40% APR. Subject to credit approval; rates based on evaluation of credit history.
Credit card score 71 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - Citizens Bank & TrustThe Citizens Bank & Trust Platinum Visa Card - Cash Back · $35 annual fee
Bank · 2 branches
15.00%APRas low asTerms
Variable APR of Prime + 8.00% for purchases, balance transfers, and cash advances after the introductory period. Prime equals 7.00% as published by the Wall Street Journal as of 9/17/26. Earn 1% cash back on purchases.
Credit card score 61
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 - 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 Cullman, AL
7 banks and credit unions · checked Oct 5–22
- Typical
- 12.40%
- Top 10% up to
- 8.46%
- Banks, typical
- 17.74%
- Credit unions, typical
- 8.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Cullman, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- AmFirstCredit union · 1 branch
- Legacy Credit UnionCredit union · 1 branch
- Listerhill Credit UnionCredit union · 1 branch