Compare Bank & Credit Union Rates
Best credit card rates in Gainesville, GA
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–9 of 9 in Gainesville, GA · median 13.74% APR
- 7.90%APRas low as · up to 14.90%
7.90% APR, up to 14.90%
Terms
Actual APR determined by credit history, income, and underwriting review.
Credit card score 93 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as
Credit card score 93 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 20.74%
12.74% APR, up to 20.74%
Terms
After that, a variable rate, that is Prime +5.74% to Prime +13.74% APR applies, based on creditworthiness. The APR will not exceed 23.99%.
Credit card score 69
Rate checked · Credit cards rates on its site
Rates and branches - Delta Community Credit UnionVisa Platinum Rewards Credit Card · No annual fee
Credit union · 1 branch
13.50%APRas low as · up to 17.50%13.50% APR, up to 17.50%
Terms
Variable Rate. Availability of rates based on creditworthiness and other factors. Credit line up to $50,000.
Credit card score 65 · Carrot Score 88
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 - 17.74%APRas low as
Terms
Variable Annual Percentage Rate may be adjusted monthly and will be determined by adding a margin of 10.74% to the highest U.S. Prime Rate published in The Wall Street Journal five business days preceding the 1st calendar day of the month. Rate will not exceed 29.99%. Average daily balance method (including new purchases).
Credit card score 60 · Carrot Score 82
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 Gainesville, GA
9 banks and credit unions · checked Oct 22
- Typical
- 13.74%
- Top 10% up to
- 7.90%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.70%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Gainesville, GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Lanier Federal Credit UnionCredit union · 2 branches
- MyGeorgia Credit UnionCredit union · 3 branches
- Associated Credit UnionCredit union · 1 branch