Compare Bank & Credit Union Rates
Best credit card rates in Jacksonville, FL
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 20 in Jacksonville, FL · median 12.70% APR
- 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 - 9.00%APRas low as
Terms
Fixed APR applies equally to purchases, balance transfers, and cash advances. No balance transfer fee, no cash advance fee, and no penalty APR. Minimum credit limit is $1,000.00; maximum credit limit is $15,000.00.
Credit card score 88 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 9.20%APRas low as
Terms
Subject to individual credit worthiness. FICO 730+. Prime rate 7.00%, margin 2.20%, monthly periodic rate 0.7667%. Low APR applies to all purchases, balance transfers, and cash advances.
Credit card score 88 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Variable APR equals 2.50% + Prime (tied to The Wall Street Journal Prime Rate). Credit line starts at $10,000. Cash Back is automatically deposited into a High Yield Savings account that earns 5%.
Credit card score 87 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; tied to the U.S. Prime Rate.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.65%APRas low as · up to 20.40%
10.65% APR, up to 20.40%
Terms
Rates schedule APR for Purchases: 10.65% (table) / 10.40% to 20.40% (caption), when you open your account, based on creditworthiness. Variable with market based on Prime Rate. $0 annual fee.
Credit card score 81 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Variable APR based on the Prime Rate. Applies to purchases.
Credit card score 77 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.24%APRas low as
Terms
As low as 11.24%. Stated as same low rate for balance transfers, cash advances, and purchases with no balance transfer or cash advance fees.
Credit card score 76 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - Community First Credit Union of FloridaVisa Platinum Credit Card · No annual fee
Credit union · 15 branches
12.40%APRas low asTerms
Variable rate, subject to change at any time. Rates as low as.
Credit card score 71 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.65%APRas low as · up to 18.00%
12.65% APR, up to 18.00%
Terms
Standard variable APR based on creditworthiness.
Credit card score 69 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as
Terms
Purchase APR. Variable based on Prime Rate (Prime + 5.74% margin).
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.20%APRas low as
Terms
Low Variable APR as low as 13.20%. Maximum APR is 18.00%. No annual fee. No foreign transaction fee. Lowest interest rate. Credit limit minimum of $500.
Credit card score 66 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 16.00%
13.50% APR, up to 16.00%
Terms
Rate depends on creditworthiness. Variable rate.
Credit card score 65 · Carrot Score 89
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 - 13.99%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
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 Jacksonville, FL
20 banks and credit unions · checked Oct 15–22
- Typical
- 12.70%
- Top 10% up to
- 9.18%
- Banks, typical
- 16.32%
- Credit unions, typical
- 10.82%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Jacksonville, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Jax Fire Credit UnionCredit union · 1 branch
- JM Associates FCUCredit union · 2 branches
- SUMA Federal Credit UnionCredit union · 1 branch