Compare Bank & Credit Union Rates
Best credit card rates in New Mexico
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–15 of 28 in New Mexico · median 12.12% APR
- Otero Federal Credit UnionVisa Platinum Credit Card Without Rewards · No annual fee
Credit union · 6 branches
5.99%APRas low asTerms
Installment Payments Rate Base (Buy Now Pay Later). Available after 12 months for 6 to 18 month terms on qualifying purchases greater than $150 from qualifying merchants.
Credit card score 99 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 7.50%APRas low as
Terms
Non-variable rate. Best for credit scores 730+. Credit limit up to $25,000. No annual fee. No balance transfer fee, but interest accrues on balance transfers from date of transfer. Earns 1 point per $1 spent on eligible purchases (2X points promo 10/1/2026 - 12/31/2026).
Credit card score 95 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.49%APRas low as
Terms
Annual fee stated as $5 on page p19. Monthly payments are 3% of balance (minimum $30). 25-day grace period on all new purchases. Late fee of $25 applied after 10 days; over-limit fee is $10.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.74%APRas low as · up to 17.99%
8.74% APR, up to 17.99%
Terms
Variable regular APR based on creditworthiness; lowest rate assumes excellent credit history. No annual, balance transfer, or cash advance fees.
Credit card score 89 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as · up to 16.25%
9.50% APR, up to 16.25%
Terms
Variable purchase APR after the introductory period based on creditworthiness. Indexed to Prime Rate (Wall Street Journal Prime Rate as of September 16, 2026 = 7.00%).
Credit card score 87 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Minimum $5,000 Limit
Credit card score 84 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
As low as 9.9% APR depending on credit history. Competitive, fixed rates.
Credit card score 84 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Fixed APR.
Credit card score 82 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; tied to the U.S. Prime Rate.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Credit card score 79 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Credit card score 79 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Variable APR based on Prime Rate index plus margin. No annual fees. Visa Platinum requires a $6,000 minimum limit. Maximum APR of 18%.
Credit card score 75 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Rates starting at 11.74% APR. No annual fee.
Credit card score 75 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
On Approved Credit. Rate as low as 11.99%. No Annual Fee. No Balance Transfer Fee. No Cash Advance Fee.
Credit card score 72 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as · up to 17.99%
12.24% APR, up to 17.99%
Terms
This APR will vary with the market based on the Prime Rate. No annual fee, no balance transfer fee, no cash advance fee.
Credit card score 71 · Carrot Score 80
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 New Mexico
28 banks and credit unions · checked Oct 16–22
- Typical
- 12.12%
- Top 10% up to
- 8.66%
- Banks, typical
- 14.24%
- Credit unions, typical
- 10.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
New Mexico
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Sandia Area Federal Credit UnionCredit union · 7 branches
- State Employees Credit UnionCredit union · 8 branches