Compare Bank & Credit Union Rates
Best credit card rates in Fort Smith, AR
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–8 of 8 in Fort Smith, AR · median 13.99% APR
- 10.90%APRas low as
Terms
Non-variable APR for purchases. 25 days grace period for repayment (purchases). Average Daily Balance method (including new purchases). Late payment fee $20. Minimum finance charge none. Transaction fee for purchases none.
Credit card score 79 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 18.25%
11.50% APR, up to 18.25%
Terms
Rate based on creditworthiness. Variable APR based on Prime Rate. Applies to purchases, balance transfers, and cash advances.
Credit card score 75 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as
Terms
Totally free card; no cash advance fees.
Credit card score 65 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Ongoing variable APR of Prime + 6.99% (rate cap 21%) including cash advances and balance transfers. Variable with the market based on the Prime Rate.
Credit card score 63 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as · up to 21.99%
13.99% APR, up to 21.99%
Terms
Fixed rate. Minimum $75,000 annual household income.
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 22.00%
14.00% APR, up to 22.00%
Terms
Variable Purchase APR based on creditworthiness. Variable rate is 7.00% to 15.00% + Prime Rate. Prime Rate of 7.00% as of September 16, 2026.
Credit card score 63
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 Fort Smith, AR
8 banks and credit unions · checked Oct 16–22
- Typical
- 13.99%
- Top 10% up to
- 11.32%
- Banks, typical
- 14.00%
- Credit unions, typical
- 11.50%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Fort Smith, AR-OK metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Red River Credit UnionCredit union · 1 branch