Compare Bank & Credit Union Rates
Best credit card rates in St. Cloud, MN
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–6 of 6 in St. Cloud, MN · median 12.40% APR
- 9.99%APRas low as
Terms
Rate based on creditworthiness. No annual fee. Ideal for balance consolidation. Excluded from rewards program.
Credit card score 82 · Carrot Score 84
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 - 12.15%APRas low as · up to 17.15%
12.15% APR, up to 17.15%
Terms
Rates range from 11.90% to 16.90% based on creditworthiness. APR will vary with the market based on the Prime Rate.
Credit card score 71 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.65%APRas low as · up to 18.24%
12.65% APR, up to 18.24%
Terms
Based on creditworthiness. Variable APR based on the Prime Rate.
Credit card score 69 · Carrot Score 88
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 St. Cloud, MN
6 banks and credit unions · checked Oct 15–22
- Typical
- 12.40%
- Top 10% up to
- 10.57%
- Banks, typical
- 18.12%
- Credit unions, typical
- 11.65%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
St. Cloud, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Magnifi FinancialCredit union · 12 branches
- Blaze Credit UnionCredit union · 1 branch
- TruStone FinancialCredit union · 1 branch