Compare Bank & Credit Union Rates
Best credit card rates in Lexington, KY
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 Lexington, KY · median 12.24% APR
- 8.25%APRas low as
Terms
Credit Union Grade A plus; Rate Structure: Base Rate - .50% (Base Rate 8.75% APR); VISA Credit Limit up to $15,000
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 17.90%
8.90% APR, up to 17.90%
Terms
Fixed rates of 8.9%, 9.9%, 11.9%, 14.9% or 17.9% APR based on credit profile. Applies to new and outstanding balances, balance transfers, purchases, and cash advances. No annual fee, cash advance fee, or balance transfer fee.
Credit card score 89 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 9.75%APRas low as
Terms
Rates as low as 9.75% APR. Rate may vary depending on creditworthiness. No annual fee or balance transfer fee. Fixed/set rate.
Credit card score 87 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 12.00%
9.90% APR, up to 12.00%
Terms
Purchases APR based on creditworthiness. Grace period is at least 25 days after the close of each billing cycle when entire balance is paid by due date.
Credit card score 84 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Fixed APR of 9.99%. 25-day grace period. 1% cash back on every purchase paid in December of each year. Credit limits $5,000 plus.
Credit card score 82 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Subject to credit approval and subject to change without notice. Rate formula: As low as Prime + 3.99% APR. 25-day grace period.
Credit card score 77 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low as · up to 21.49%
11.49% APR, up to 21.49%
Terms
Thereafter the then-prevailing APR will be applied to outstanding balances. Variable APR based on Prime Rate and creditworthiness (between 11.49% - 21.49% as of August 2, 2026). Rate subject to change semi-annually. Minimum credit line $500.
Credit card score 76 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as · up to 15.00%
13.00% APR, up to 15.00%
Terms
APRs are variable and determined by adding 6.00% to 8.00% to the Prime Rate in effect at the time of account opening. Current APRs based on Prime Rate as of 10-9-2026. Minimum credit limit $5,000. Subject to credit approval.
Credit card score 66 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as
Terms
Variable purchase APR adjusts to 14.99% APR after the Intro period. Calculated as Prime Rate (7.00% as of 9/17/2026) + 6.49% margin (Maximum APR 24.00%).
Credit card 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 - 14.90%APRas low as · up to 18.00%
14.90% APR, up to 18.00%
Terms
Standard variable purchase APR of 14.90% to 18.00% based on creditworthiness and qualifications; maximum APR is 18.00%.
Credit card score 62 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 15.24%APRas low as · up to 18.00%
15.24% APR, up to 18.00%
Terms
Standard variable APR for purchases based on creditworthiness when account is opened. Varies with the market based on the Prime Rate. Subject to credit approval.
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 27.99%
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 - 19.00%APRas low as · up to 25.00%
19.00% APR, up to 25.00%
Terms
Variable APR based on creditworthiness. Variable rate indexed to Wall Street Journal Prime Rate.
Credit card score 60 · Carrot 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 Lexington, KY
14 banks and credit unions · checked Oct 16–22
- Typical
- 12.24%
- Top 10% up to
- 9.16%
- Banks, typical
- 13.74%
- Credit unions, typical
- 10.44%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Lexington, KY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 6 branches
- Members Heritage CUCredit union · 5 branches
- CommunityAmerica Credit UnionCredit union · 1 branch