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 16–28 of 28 in New Mexico · median 12.12% APR
- 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 - 12.96%APRas low as
Terms
Fixed APR of 12.96% applies to purchases, balance transfers, and cash advances. Grace period is at least 25 days after the close of each billing cycle for purchases if paid in full.
Credit card score 67 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 18.00%
13.49% APR, up to 18.00%
Terms
Standard variable APR range.
Credit card score 66 · Carrot Score 83
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 - 13.99%APRas low as
Terms
Rate Cap 21.00%. Grace Period 25 days (+5 additional days).
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 · 21 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
Terms
Rates as low as 15.99% APR. Subject to credit approval.
Credit card score 61 · Carrot Score 83
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 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