Compare Bank & Credit Union Rates
Best credit card rates in Albuquerque, NM
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 Albuquerque, NM · median 12.75% APR
- 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
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 - 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 - 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 - 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 - 12.75%APRas low as · up to 16.75%
12.75% APR, up to 16.75%
Terms
Standard variable APR determined by creditworthiness.
Credit card score 69 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as · up to 18.00%
12.75% APR, up to 18.00%
Terms
Purchases / Balance Transfers. Variable APR based on the Wall Street Journal Prime Rate.
Credit card score 69 · Carrot Score 73
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 - UMB BankUMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card · No annual fee
Bank · 6 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 - 16.74%APRas low as
Terms
Purchase APR is variable (Prime Rate of 6.75% + 9.74% margin, max 22.99%).
Credit card score 61 · Carrot Score 83
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 Albuquerque, NM
14 banks and credit unions · checked Oct 16–22
- Typical
- 12.75%
- Top 10% up to
- 9.62%
- Banks, typical
- 17.24%
- Credit unions, typical
- 10.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Albuquerque, NM metro
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 · 6 branches
- State Employees Credit UnionCredit union · 4 branches