Compare Bank & Credit Union Rates
Best credit card rates in Lakeland, 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 1–13 of 13 in Lakeland, FL · median 13.99% APR
- 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 - Floridacentral Credit UnionFloridacentral Classic Credit Card · No annual fee
Credit union · 1 branch
9.49%APRas low asTerms
Tier A+ (740+). Interest rates adjust quarterly by adding the appropriate margin to the Wall Street Journal Index.
Credit card score 87 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 9.75%APRas low as · up to 17.75%
9.75% APR, up to 17.75%
Terms
Variable purchase APR based on evaluation of credit history; lowest featured rate based on credit score of 760. $0 balance transfer fee and no teaser rates.
Credit card score 87 · 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 - 12.55%APRas low as · up to 18.00%
12.55% APR, up to 18.00%
Terms
Variable APR based on creditworthiness. 25-day grace period on purchases.
Credit card score 70 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
As low as 13.99% APR based on creditworthiness.
Credit card score 63 · Carrot Score 63
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 - 15.75%APRas low as
Terms
Purchase APR as low as 15.75%. Credit limit $500 - $20,000.
Credit card score 61 · Carrot Score 91
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 - 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 - 18.00%APRas low as
Credit card score 60 · Carrot Score 72
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 Lakeland, FL
13 banks and credit unions · checked Oct 7–22
- Typical
- 13.99%
- Top 10% up to
- 9.54%
- Banks, typical
- 17.74%
- Credit unions, typical
- 11.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Lakeland, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 1 branch
- Suncoast Credit UnionCredit union · 3 branches
- Lake Michigan Credit UnionCredit union · 1 branch