Compare Bank & Credit Union Rates
Best credit card rates in Kentucky
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 16–30 of 47 in Kentucky · median 11.75% APR
- 10.50%APRas low as
Terms
Variable regular APR based on Prime Rate. Revolving with 25-day grace period.
Credit card score 81 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Must be at least 18 years of age. Can open a card with as little as $500 to begin.
Credit card score 79 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as · up to 18.00%
10.90% APR, up to 18.00%
Terms
APR for purchases based on creditworthiness. Non-variable rate. Grace period of at least 25 days after the close of each billing cycle to avoid paying interest on purchases if paid in full.
Credit card score 79 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Quoted APR is as low as 10.99% based on creditworthiness and qualifications; rate may vary with the Prime Rate. Subject to approval and $10 membership fee if not already a member.
Credit card score 77 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as · up to 16.99%
10.99% APR, up to 16.99%
Terms
Standard variable APR of 10.99% - 16.99% (up to 16.74% in detail page footnotes) for purchases and balance transfers, based on creditworthiness. Determined by adding margin to Prime Rate published in WSJ effective first day of Jan, Apr, Jul, Oct.
Credit card score 77 · Carrot Score 87
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 - 11.40%APRas low as
Terms
Rate based on creditworthiness and term of loan. Subject to credit approval. 25-day grace period on purchases; no transaction fees on domestic purchases.
Credit card score 76 · Carrot Score 88
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 - 11.75%APRas low as
Terms
As low as 11.75% Variable APR. Subject to credit approval; APR based on credit history. High credit limit up to $20,000. 25-day grace period. No annual fee. No over-limit fee. Cash advances available.
Credit card score 74 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as · up to 19.75%
11.75% APR, up to 19.75%
Terms
After that, the variable APR will be 11.75% - 19.75%, based on your creditworthiness.
Credit card score 74 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Fixed APR for purchases. No annual fee. Membership fee none. Pay entire balance by due date (at least 25 days after close of billing cycle) to avoid paying interest on purchases.
Credit card score 73 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 23.99%
11.99% APR, up to 23.99%
Terms
Credit Card APR may vary and is determined by adding margin (4.99% to 16.99%) to the U.S. prime rate published in the Money Rates section of the Wall Street Journal on the first business day of the month.
Credit card score 72 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Standard APR as low as 12.00%. No annual fee, no balance transfer fee, no application fee.
Credit card score 72 · Carrot Score 81
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 the introductory period, a variable APR, currently Prime + 5.74% to Prime + 13.74% applies, based on creditworthiness.
Credit card score 69 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
12.90% fixed annual percentage rate for purchases from merchants who accept Visa; no annual fees.
Credit card score 67 · Carrot Score 85
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 Kentucky
47 banks and credit unions · checked Oct 15–22
- Typical
- 11.75%
- Top 10% up to
- 9.30%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.94%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Kentucky
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 18 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch
- Members Heritage CUCredit union · 5 branches