Compare Bank & Credit Union Rates
Best credit card rates in Baltimore, MD
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 Baltimore, MD · median 13.74% APR
- 7.90%APRas low as
Terms
Rates as low as 7.90% APR based on applicant's credit.
Credit card score 93 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as
Terms
Variable APR as low as 9.49%. Rate varies based on creditworthiness.
Credit card score 87 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Purchase APR for purchases at Bass Pro Shops and Cabela's.
Credit card score 82 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - Five Star Federal Credit UnionPlatinum Rewards Visa Credit Card · No annual fee
Credit union · 2 branches
12.00%APRas low asTerms
Rates quoted are the lowest available ('as low as') and depend on credit history.
Credit card score 72 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as
Terms
Standard variable APR for purchases, cash advances, and balance transfers based on creditworthiness when you open your account.
Credit card score 71 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 13.30%APRas low as
Terms
Variable APR based on Prime Rate; 'as low as' rate. No annual fee. 25-day grace period on purchases.
Credit card score 66 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 20.74%
13.74% APR, up to 20.74%
Terms
Variable APR (NOR version).
Credit card score 65 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 21.74%
13.74% APR, up to 21.74%
Terms
Standard purchase rate based on creditworthiness; variable with market based on Prime Rate.
Credit card score 65 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 13.75%APRas low as
Terms
Rate is Prime + 6.75%. Variable rate based on the Prime Rate published in The Wall Street Journal, adjusting monthly on the first day of each month. Subject to creditworthiness. Rate changes may not take effect until 60 days after review.
Credit card score 64 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Low ongoing rate: Prime+ 6.99%. 25-day interest-free grace period on all purchases, except cash advances.
Credit card score 63 · Carrot Score 84
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 - 15.74%APRas low as · up to 23.74%
15.74% APR, up to 23.74%
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 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 - 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
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 Baltimore, MD
14 banks and credit unions · checked Oct 16–22
- Typical
- 13.74%
- Top 10% up to
- 9.64%
- Banks, typical
- 14.86%
- Credit unions, typical
- 12.78%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Baltimore, MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 15 branches
- Freedom Federal Credit UnionCredit union · 8 branches