Compare Bank & Credit Union Rates
Best credit card rates in Gary, IN
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 Lake County, IN · median 12.75% APR
- 7.90%APRas low as
Terms
Rates vary according to qualifications.
Credit card score 93 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed rate. Rates are based on certain credit-worthiness criteria; not all applicants will qualify. Earns Rewards points with every purchase. Buy Now, Pay Later installment payment option available.
Credit card score 89 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 9.95%APRas low as · up to 17.95%
9.95% APR, up to 17.95%
Terms
No annual fee. No balance transfer fee. APRs range from 9.95% to 17.95% when you open your account, based on credit worthiness and risk-based lending guidelines.
Credit card score 83 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 10.40%APRas low as · up to 15.40%
10.40% APR, up to 15.40%
Terms
Variable APR based on prime rate; 10.40% - 15.40% APR for purchases and cash advances. No annual fee. $0 fee on non-promotional balance transfers.
Credit card score 81 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as · up to 21.00%
11.00% APR, up to 21.00%
Terms
Variable ongoing APR for purchases based on creditworthiness; varies with the market based on the Prime Rate. Tiers include 11.00%, 13.00%, 15.00%, 17.00%, or 21.00% APR.
Credit card score 77 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.15%APRas low as · up to 18.00%
11.15% APR, up to 18.00%
Terms
Purchase APR is 11.15%, 16.40%, 17.40%, or 18.00% depending on creditworthiness. Variable APR determined by adding 4.15%, 9.40%, 10.40%, or 12.40% to the Prime Rate. Maximum APR is 18.00%.
Credit card score 77 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Credit card score 69 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Tier A. Rate adjusted semi-annually (January & July); APR based on Prime rate as of 07/01/2026. Includes 25-day grace period on purchases and no balance transfer fees.
Credit card score 69 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Ongoing APR is Prime + 6.99%; no annual fee.
Credit card score 63 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as · up to 24.99%
14.99% APR, up to 24.99%
Terms
Variable standard purchase APR based on Prime Rate (6.75%) plus a margin, determined by creditworthiness.
Credit card score 62 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 18.49%APRas low as · up to 27.49%
18.49% APR, up to 27.49%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 60 · Carrot Score 66
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 - 19.24%APRas low as · up to 28.24%
19.24% APR, up to 28.24%
Terms
$99 annual fee after the first 12 months. Variable APR based on Prime Rate and creditworthiness.
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 Lake County, IN
13 banks and credit unions · checked Oct 15–16
- Typical
- 12.75%
- Top 10% up to
- 9.11%
- Banks, typical
- 18.49%
- Credit unions, typical
- 11.08%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Chicago, IL-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Acme Continental Credit UnionCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch
- American Airlines Federal Credit UnionCredit union · 4 branches