Compare Bank & Credit Union Rates
Best credit card rates in Arizona
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 31–45 of 48 in Arizona · median 11.75% APR
- 13.50%APRas low as · up to 22.50%
13.50% APR, up to 22.50%
Terms
Thereafter, variable APR ranges from 13.50% to 22.50% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026.
Credit card score 65 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as · up to 23.65%
13.65% APR, up to 23.65%
Terms
Purchases APR.
Credit card score 65 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 17.50%
13.74% APR, up to 17.50%
Terms
Estimated payment is 3% of balance ($25 minimum). $0 balance transfer fee and $0 cash advance fee. Variable rate based on Prime Index.
Credit card score 65 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 65 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 21.74%
13.74% APR, up to 21.74%
Terms
Variable regular APR for purchases based on creditworthiness and prime rate (up to 24.99%).
Credit card score 65 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 17.99%
13.74% APR, up to 17.99%
Terms
Variable APR for purchases based on creditworthiness, indexed to U.S. Prime Rate.
Credit card score 65
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as
Terms
Fixed rate. Credit limit up to $10,000.00.
Credit card score 63 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - UMB BankUMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card · No annual fee
Bank · 13 branches
14.49%APRas low asTerms
After the first 12 months, 14.49% variable APR based on prime rate.
Credit card score 63 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as · up to 26.99%
14.99% APR, up to 26.99%
Terms
Purchase APR; variable based on Prime Rate and creditworthiness.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Variable APR as low as 15.00%. Rates are accurate as of October 1, 2026. APR varies with the market based on Prime Rate. Subject to approval.
Credit card score 62 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 15.99%APRas low as
Terms
Rates as low as 15.99% APR. Subject to credit approval.
Credit card score 61 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 16.00%APRas low as
Terms
Variable APR after the introductory period. Floor Rate: 2% APR. Ceiling Rate: 21% APR.
Credit card score 61 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 16.74%APRas low as
Terms
Purchase APR is variable (Prime Rate of 6.75% + 9.74% margin, max 22.99%).
Credit card score 61 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 16.90%APRas low as
Terms
Featured rate as low as stated. Rates Subject to Change.
Credit card score 61 · Carrot Score 86
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
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 Arizona
48 banks and credit unions · checked Oct 16–22
- Typical
- 11.75%
- Top 10% up to
- 8.99%
- Banks, typical
- 14.74%
- Credit unions, typical
- 11.20%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Arizona
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 7 branches
- AERO FinancialCredit union · 7 branches
- ICCUCredit union · 2 branches