Compare Bank & Credit Union Rates
Best credit card rates in Columbia, MO
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–11 of 11 in Columbia, MO · median 12.90% APR
- 9.50%APRas low as
Terms
Credit Score: 740+ (Grade A+)
Credit card score 87 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.65%APRas low as
Terms
Interest rates as low as 9.65%. Pay no interest for 25 days. Lower minimum monthly payments. Minimum credit score 730. Subject to credit approval.
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 22.90%
9.90% APR, up to 22.90%
Terms
Fixed rates range from 9.9% to 22.9% APR based on creditworthiness and qualifications. 25-day grace period on purchases when balance is paid in full monthly by due date.
Credit card score 84 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Subject to credit approval. The rate you qualify for is determined by your creditworthiness, collateral and length of term. Rates as low as. Balance transfer and cash advance rates are same as purchases. NO balance transfer fees.
Credit card score 72 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 19.74%
12.74% APR, up to 19.74%
Credit card score 69
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
For building or improving your credit, this card offers a fixed rate of 12.90% APR*. Rate is determined by member eligibility and creditworthiness, as well as other factors. No annual fees or balance transfer charges.
Credit card score 67 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 22.00%
14.00% APR, up to 22.00%
Terms
Variable Purchase APR based on creditworthiness. Variable rate is 7.00% to 15.00% + Prime Rate. Prime Rate of 7.00% as of September 16, 2026.
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - UMB BankUMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card · No annual fee
Bank · 1 branch
14.49%APRas low asTerms
After the first 12 months, 14.49% variable APR based on prime rate.
Credit card score 63 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 15.99%APRas low as · up to 25.74%
15.99% APR, up to 25.74%
Terms
Variable APR after the introductory period.
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 17.99%APRas low as · up to 27.99%
17.99% APR, up to 27.99%
Terms
Variable APR of 17.99% - 27.99% on all purchases and balance transfers.
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 26.74%APRas low as
Terms
Standard APR for Purchases varies with the market based on WSJ Prime Rate + margin of 19.74%.
Credit card 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 Columbia, MO
11 banks and credit unions · checked Oct 16–22
- Typical
- 12.90%
- Top 10% up to
- 9.65%
- Banks, typical
- 15.24%
- Credit unions, typical
- 9.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Columbia, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Multipli Credit UnionCredit union · 5 branches
- UMB BankBank · 2 branches
- United Credit UnionCredit union · 1 branch