Compare Bank & Credit Union Rates
Best credit card rates in Panama City, 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 1–10 of 10 in Panama City, FL · median 12.24% APR
- Innovations Financial Credit UnionPlatinum VISA® Credit Card · No annual fee
Credit union · 2 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 - 9.90%APRas low as
Credit card score 84 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 10.74%APRas low as · up to 13.24%
10.74% APR, up to 13.24%
Terms
Variable APR based on creditworthiness and Prime Rate. No annual fee, cash advance fee, or balance transfer fee.
Credit card score 80 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Fixed rate. Same rate for purchases, cash advances, and balance transfers. 25-day grace period on purchases when entire new balance on previous cycle's billing statement is paid by payment due date.
Credit card score 79 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 17.99%
11.74% APR, up to 17.99%
Terms
Variable APR based on Prime Rate. Rate determined at account opening based on creditworthiness.
Credit card score 75 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Based on your creditworthiness.
Credit card score 69 · 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 - 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 - 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 Panama City, FL
10 banks and credit unions · checked Oct 15–22
- Typical
- 12.24%
- Top 10% up to
- 9.66%
- Banks, typical
- 17.74%
- 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.
Panama City, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 8 branches
- Champions First Credit UnionCredit union · 1 branch
- Community South Credit UnionCredit union · 2 branches