Compare Bank & Credit Union Rates
Best credit card rates in Michigan
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 106–120 of 139 in Michigan · median 9.99% APR
- 11.90%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates shown are for well qualified borrowers with a FICO Classic 09 score of 776+. Rates subject to change at any time and not guaranteed. 25-day grace period.
Credit card score 73 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Approval and rates based on credit worthiness.
Credit card score 72 · Carrot Score 87
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 - 11.99%APRas low as
Terms
Non-Variable Rate (Risk Based Pricing Applies). Credit limits starting at $500. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member's individual credit score.
Credit card score 72 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Non-variable rate. APR as low as 11.99% (revolving term). Rates vary and are dependent on individual credit history. No monthly, annual, or cash advance fees.
Credit card score 72 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 19.00%
12.00% APR, up to 19.00%
Terms
APR is based on creditworthiness and other qualifications required for approval. No Annual Fee.
Credit card score 72 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 12.15%APRas low as
Credit card score 71 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - Community Choice Credit UnionCommunity Choice Platinum Mastercard · No annual fee
Credit union · 23 branches
12.24%APRas low asTerms
Rate is variable and based on creditworthiness, approximate term, and security offered. No annual fee and no balance transfer fee.
Credit card score 71 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 21.25%
12.25% APR, up to 21.25%
Terms
Standard variable APR on all purchases, cash advances, and balance transfers after 12/31/26 based on creditworthiness. Variable APR is based on Wall Street Journal Prime Rate plus a margin.
Credit card score 71 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 12.46%APRas low as
Terms
Variable term. Rates and terms determined by member's credit worthiness and collateral value.
Credit card score 71 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - Advia Credit UnionVisa® Platinum Variable Rate Credit Card · No annual fee
Credit union · 19 branches
12.49%APRas low as · up to 20.49%12.49% APR, up to 20.49%
Terms
Non-promotional variable APR applies beginning the first day of the new billing cycle after the intro period, based on creditworthiness. Variable APR varies quarterly based on the highest Prime Rate charged by banks published in WSJ as of the last business day of each quarter plus a margin.
Credit card score 70 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as
Terms
25-day grace period on all purchases
Credit card score 70 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 25.00%
12.50% APR, up to 25.00%
Terms
Variable APR between 12.50% and 25.00% based on creditworthiness. No penalty APR, no cash advance fees.
Credit card score 70 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - Michigan First Credit UnionMichigan First Rewards Mastercard · No annual fee
Credit union · 32 branches
12.74%APRas low asTerms
Standard APR as low as 12.74% based on credit score. Max credit limit $25,000.
Credit card score 69 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as · up to 20.75%
12.75% APR, up to 20.75%
Terms
12.75% - 20.75% variable APR on all purchases, balance transfers, and cash advances based on primary borrower’s creditworthiness.
Credit card score 69 · Carrot Score 73
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 Michigan
139 banks and credit unions · checked Oct 16–22
- Typical
- 9.99%
- Top 10% up to
- 8.90%
- Banks, typical
- 18.49%
- Credit unions, typical
- 9.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Michigan
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Settlers Federal Credit UnionCredit union · 2 branches
- Chief Financial Credit UnionCredit union · 4 branches
- Meijer Credit UnionCredit union · 3 branches