Compare Bank & Credit Union Rates
Best credit card rates in Springfield, 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 1–14 of 14 in Springfield, MO · median 13.74% APR
- 9.40%APRas low as
Terms
Classic or Platinum variant is explicitly named; the rate applies as advertised.
Credit card score 88 · Carrot Score 86
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
Terms
Zero balance transfer fee; zero cash advance fee.
Credit card score 84 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Rate is APR as low as 9.99%. No annual fee, cash advance fee, or balance transfer fee.
Credit card score 82 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Fixed rate. No annual fee, no application fee, no balance transfer fee, no cash advance fee.
Credit card score 79 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 13.24%APRas low as · up to 23.24%
13.24% APR, up to 23.24%
Terms
Ongoing variable APR. Footnote * coverage applies when full fare charged to card. Footnote ** describes variable APRs based on Prime Rate.
Credit card score 66 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as
Terms
Totally free card; no cash advance fees.
Credit card score 65 · Carrot Score 78
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Ongoing variable APR: Prime + 6.99%, rate cap 21%.
Credit card score 63 · Carrot Score 76
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 · 2 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 27.99%
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 - 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 Springfield, MO
14 banks and credit unions · checked Oct 16–22
- Typical
- 13.74%
- Top 10% up to
- 9.72%
- Banks, typical
- 15.24%
- Credit unions, typical
- 9.94%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Springfield, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Multipli Credit UnionCredit union · 3 branches
- UMB BankBank · 2 branches
- BluCurrent Credit UnionCredit union · 5 branches