Compare Bank & Credit Union Rates
Best credit card rates in Florida
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–15 of 117 in Florida · median 12.24% APR
- 6.90%APRas low as · up to 17.90%
6.90% APR, up to 17.90%
Terms
Fixed interest rate determined by credit score (periodic rate of 0.575% to 1.492% per month). No cash advance fee or balance transfer fee.
Credit card score 97 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - Innovations Financial Credit UnionPlatinum VISA® Credit Card · No annual fee
Credit union · 9 branches
7.50%APRas low as · up to 16.75%7.50% APR, up to 16.75%
Terms
Rate is based on creditworthiness.
Credit card score 95 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Terms
Rates as of current date and subject to change at any time. No annual fees or balance transfer fees.
Credit card score 93 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - Hialeah Municipal Employees Federal Credit UnionVisa Credit Cards · No annual fee
Credit union · 1 branch
7.99%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
No annual fee. No balance transfer fees. Fixed rate. Rates based on creditworthiness and reflect maximum discounts available. 25-day interest-free grace period on purchases.
Credit card score 93 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 8.64%APRas low as
Terms
Fixed-Rate; No annual fee, balance transfer fee, or cash advance fee
Credit card score 89 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Terms
Fixed rate APR for purchases, balance transfers, and cash advances. 25-day grace period on purchases.
Credit card score 89 · Carrot Score 93
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 - Eglin Federal Credit UnionEglin Platinum Rewards Mastercard · No annual fee
Credit union · 11 branches
8.90%APRas low as · up to 15.90%8.90% APR, up to 15.90%
Terms
Rate applies to purchases, balance transfers, and cash advances based on creditworthiness. No annual fee, balance transfer fee, cash advance fee, or international transaction fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 16.90%
8.90% APR, up to 16.90%
Terms
Standard APR on unpaid balance based on creditworthiness. 8.90% APR listed as lowest rate as of October 1, 2026. No annual fee, no cash advance or domestic transaction fees. No interest charged on purchases if paid within 25 days of statement date. 1% foreign transaction fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 17.90%
8.90% APR, up to 17.90%
Terms
Rates from 8.90% to 17.90% when you open your account, based on your creditworthiness. This APR is non-variable and subject to change.
Credit card score 89 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Credit card score 89 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 16.99%
8.99% APR, up to 16.99%
Terms
Fixed APR determined when account is opened, based on creditworthiness and underwriting guidelines.
Credit card score 88 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Low, fixed annual percentage rate. Must have full direct deposit.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Rate is non-variable. Financing up to $12,000. Rates subject to change, based on creditworthiness; certain restrictions may apply.
Credit card score 88 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - Tampa Postal Federal Credit UnionTampa Postal FCU Platinum MasterCard · No annual fee
Credit union · 4 branches
8.99%APRas low asTerms
Rates are fixed. Rate received subject to creditworthiness and history. 25-day grace period.
Credit card score 88 · Carrot Score 88
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 Florida
117 banks and credit unions · checked Oct 15–22
- Typical
- 12.24%
- Top 10% up to
- 8.99%
- Banks, typical
- 15.74%
- Credit unions, typical
- 10.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Florida
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 9 branches
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 4 branches