Compare Bank & Credit Union Rates
Best credit card rates in Independence, 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 1–10 of 10 in Independence, MO · median 13.62% APR
- 8.90%APRas low as
Terms
ANNUAL PERCENTAGE RATE (APR) for Purchases.
Credit card score 89 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Rates as low as 8.99%. Rate, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. No annual fee or balance transfer fee.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as
Terms
Revolving term / up to $25,000 credit limit. No annual cash advance or balance transfer fee. Minimum monthly payment is 2% of outstanding balance or $25.00. 25-day grace period on purchases.
Credit card score 74 · Carrot Score 78
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 - 12.75%APRas low as
Terms
Variable APR. All loans subject to approval and membership eligibility. Effective date: Friday, October 16th, 2026.
Credit card score 69 · Carrot Score 82
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 · 3 branches
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 - 18.49%APRas low as · up to 27.49%
18.49% APR, up to 27.49%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 60 · Carrot Score 66
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 Independence, MO
10 banks and credit unions · checked Oct 16
- Typical
- 13.62%
- Top 10% up to
- 8.98%
- Banks, typical
- 17.99%
- Credit unions, typical
- 11.75%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Kansas City, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st MidAmerica Credit UnionCredit union · 1 branch
- Nova Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 31 branches