Compare Bank & Credit Union Rates
Best credit card rates in Alabama
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 46–60 of 65 in Alabama · median 10.49% APR
- Gulf Coast Federal Credit UnionVisa Platinum Rewards Credit Card · No annual fee
Credit union · 3 branches
12.49%APRas low asTerms
Actual rate determined by qualifications and credit. Subject to change without notice. No cash advance fee, no balance transfer fee.
Credit card score 70 · Carrot Score 62
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 - 12.90%APRas low as
Terms
Rate as low as 12.9% APR based on soundness of credit. Rate applies to purchases, cash advances and balance transfers. No annual fee. No balance transfer fee. Minimum payment 5% of balance, $25 minimum. Minimum finance charge $0.50. Late payment fee $20. Over-the Credit-Limit Fee $20.
Credit card score 67 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 12.99%APRas low as
Terms
All Rates are \"as low as\" and subject to change without notice. Rates and term are subject to normal credit policies and age of collateral, miles, value. Your rate may vary from the above rate and will be determined after a review of your credit worthiness.
Credit card score 67 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - Listerhill Credit UnionVisa® Keystone Platinum Credit Card · No annual fee
Credit union · 16 branches
12.99%APRas low asTerms
Fixed purchase APR as low as 12.99%. No annual fee, no balance transfer fee, and no cash advance fee.
Credit card score 67 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as · up to 21.00%
13.00% APR, up to 21.00%
Terms
Variable rate is prime rate plus 6.00% APR, based on creditworthiness.
Credit card score 66 · Carrot Score 79
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 - 13.49%APRas low as · up to 16.75%
13.49% APR, up to 16.75%
Terms
Based on creditworthiness. APR may be higher based on past and present credit performance.
Credit card score 66 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 23.74%
13.74% APR, up to 23.74%
Terms
Variable APR determined by adding a margin of 6.74% to 16.74% to Prime Rate based on creditworthiness. Prime Rate reference is 8.50%.
Credit card score 65
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 - 14.74%APRas low as · up to 23.74%
14.74% APR, up to 23.74%
Terms
After the introductory period, APR will be 14.49%-23.49% based on creditworthiness. Varies with Prime Rate.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 14.88%APRas low as
Terms
Fixed APR for purchases. We do not offer balance transfers.
Credit card score 62
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 · 10 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 27.74%
17.74% APR, up to 27.74%
Terms
Variable APR based on creditworthiness and Prime Rate index beginning in the 13th billing cycle. Effective as of 10/22/2026.
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 Alabama
65 banks and credit unions · checked Oct 15–22
- Typical
- 10.49%
- Top 10% up to
- 8.90%
- Banks, typical
- 14.81%
- Credit unions, typical
- 9.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Alabama
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Auburn University Credit UnionCredit union · 3 branches
- ASE Credit UnionCredit union · 9 branches
- AOD Federal Credit UnionCredit union · 6 branches