Compare Bank & Credit Union Rates
Best credit card rates in Miami, 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 1–14 of 14 in Miami, FL · median 13.94% APR
- 11.65%APRas low as
Terms
Revolving term. As low as 11.65% APR. No annual fee. Credit limit up to $20,000.
Credit card score 75 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as
Terms
Standard rate; As low as.
Credit card score 71 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.65%APRas low as
Terms
Rates can adjust quarterly subject to Prime Rates. Maximum rate is 18%. No balance transfer fee.
Credit card score 69 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 21.49%
13.49% APR, up to 21.49%
Terms
Ongoing variable APR after the introductory period.
Credit card score 66 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - Educational Federal Credit UnionEdFed Rewards Visa Credit Card · No annual fee
Credit union · 2 branches
13.50%APRas low as · up to 18.25%13.50% APR, up to 18.25%
Terms
Standard purchases, cash advances, and balance transfers. Variable APR based on Prime Rate; rate varies from 13.25% to 18.00% based on creditworthiness. Minimum monthly payment is 2.50% of balance or $25, whichever is greater. No annual fee. No cash advance fees on advances made in person or via EdFed 24/SEVEN.
Credit card score 65 · Carrot Score 73
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 - 13.90%APRas low as · up to 18.00%
13.90% APR, up to 18.00%
Terms
Variable ongoing APR based on the highest Prime Rate in WSJ Money Rates; maximum APR is 18.00%.
Credit card score 64 · Carrot Score 69
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 - 15.99%APRas low as
Terms
Revolving. Max $10,000. Credit criteria apply.
Credit card score 61 · Carrot Score 71
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 - 18.49%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 - 18.75%APRas low as · up to 22.75%
18.75% APR, up to 22.75%
Terms
Variable APR based on creditworthiness.
Credit card score 60 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 18.99%APRas low as · up to 26.99%
18.99% APR, up to 26.99%
Terms
Variable APR for purchases and balance transfers is 18.99% - 26.99% based on creditworthiness. $0 annual fee with active Costco membership.
Credit card score 60 · Carrot Score 89
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 Miami, FL
14 banks and credit unions · checked Oct 15–22
- Typical
- 13.94%
- Top 10% up to
- 12.37%
- Banks, typical
- 18.12%
- Credit unions, typical
- 13.08%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Miami, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- American Airlines Federal Credit UnionCredit union · 6 branches
- JM Associates FCUCredit union · 1 branch
- First Choice Credit UnionCredit union · 2 branches