Compare Bank & Credit Union Rates
Best credit card rates in Reno, NV
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 Reno, NV · median 13.74% APR
- Sierra Pacific Federal Credit UnionNevada Alumni Affinity Visa · No annual fee
Credit union · 3 branches
8.99%APRas low as · up to 14.99%8.99% APR, up to 14.99%
Terms
No Annual Fee. Standard rates are currently 8.99% to 14.99% APR based on creditworthiness.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 11.25%APRas low as
Terms
Credit Score 680+; Max Credit Limit $10,000
Credit card score 76 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 18.00%
11.74% APR, up to 18.00%
Terms
Variable annual percentage rate between 11.74% to 18.00% based on creditworthiness. No annual or balance transfer fees.
Credit card score 75 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - One Nevada Credit UnionOne Nevada Credit Card Disclosure Schedule · No annual fee
Credit union · 1 branch
12.00%APRas low as · up to 21.00%12.00% APR, up to 21.00%
Terms
Discrete APR tiers are 11.75%, 14.75%, 17.75%, or 20.75% depending on credit history. Covers Purchases, Cash Advances & Balance Transfers.
Credit card score 72 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 22.50%
13.50% APR, up to 22.50%
Terms
Thereafter, variable APR ranges from 13.50% to 22.50% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026.
Credit card score 65 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 65 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 15.48%APRas low as · up to 17.98%
15.48% APR, up to 17.98%
Terms
Standard variable APR varying based on the Prime Rate. Earns 1.5 points per $1 spent. Credit limit $500 to $20,000 (up to $25,000).
Credit card score 62 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 16.49%APRas low as
Terms
Purchase APR as low as 16.49% variable based on creditworthiness. APR varies with the market based on the Prime Rate. No annual fee.
Credit card score 61 · Carrot Score 72
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 27.49%
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 Reno, NV
11 banks and credit unions · checked Oct 16–22
- Typical
- 13.74%
- Top 10% up to
- 11.25%
- Banks, typical
- 17.12%
- Credit unions, typical
- 11.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Reno, NV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Greater Nevada Credit UnionCredit union · 7 branches
- Mountain America Credit UnionCredit union · 2 branches