Compare Bank & Credit Union Rates
Best credit card rates in Minnesota
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 74 in Minnesota · median 12.02% APR
- 9.90%APRas low as
Terms
Annual fee is waived if you pay off your card every month and incur no finance charges. Minimum credit line of $5000. 25-day grace period on purchases. No balance transfer fees.
Credit card score 81 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed interest rate. Full account relationship and credit approval required.
Credit card score 82 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
25-day grace period on purchases.
Credit card score 82 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 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 - 10.74%APRas low as · up to 21.74%
10.74% APR, up to 21.74%
Terms
Variable APR based on creditworthiness and Prime Rate.
Credit card score 80 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as · up to 14.90%
10.90% APR, up to 14.90%
Terms
Non-variable APR based on creditworthiness. Applies to purchases, balance transfers, and cash advances. $0 annual fee, $0 balance transfer and cash advance fee. Revolving line.
Credit card score 79 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
25-day grace period on purchases if entire balance is paid by due date.
Credit card score 79 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Fixed rate
Credit card score 79 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 10.95%APRas low as
Terms
Rate applies to purchases, cash advances, and balance transfers. APR varies with the prime rate published in the Wall Street Journal.
Credit card score 78 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Variable APR based on the Prime Rate. Applies to purchases.
Credit card score 77 · Carrot Score 88
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 - 11.24%APRas low as
Terms
Variable rate currently at 11.24% APR (Prime Rate + 6.75%), maximum 14.90% APR. The rate is determined by adding 6.75% for purchases, cash advances, and balance transfers to the Prime Rate. 25-day grace period on new purchases if balance is paid in full each month. No annual fee, no balance transfer fee, no cash advance fee.
Credit card score 76 · Carrot Score 90
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 - 11.49%APRas low as · up to 16.50%
11.49% APR, up to 16.50%
Terms
Variable APR based on Prime Rate and creditworthiness (maximum 18% APR). No balance transfer fees.
Credit card score 76 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 15.74%
11.74% APR, up to 15.74%
Terms
Rate determined by credit score (11.74%, 12.74%, 14.24% or 15.74%). No balance transfer fee. 25-day grace period.
Credit card score 75 · Carrot Score 89
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 Minnesota
74 banks and credit unions · checked Oct 16–22
- Typical
- 12.02%
- Top 10% up to
- 9.89%
- Banks, typical
- 14.90%
- Credit unions, typical
- 11.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Minnesota
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Greater Community CUCredit union · 4 branches
- Altra Federal Credit UnionCredit union · 4 branches
- VisionBankBank · 1 branch