Compare Bank & Credit Union Rates
Best credit card rates in North Carolina
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 16–30 of 55 in North Carolina · median 11.50% APR
- 10.00%APRas low as · up to 16.00%with conditions
10.00% APR, up to 16.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate. Lowest rates reflect a 2% discount for accounts with checking, direct deposit, debit card, home banking, and e-statements. Minimum payment is 2% of balance or $25, whichever is greater. No fee for cash advances.
Credit card score 81 · Carrot Score 86
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 - 10.49%APRas low as · up to 18.00%
10.49% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; no annual fee or cash advance fee; foreign transaction fees apply.
Credit card score 81 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - American Airlines Federal Credit UnionVisa Platinum Low Rate · No annual fee
Credit union · 3 branches
10.50%APRas low as · up to 18.00%10.50% APR, up to 18.00%
Terms
Variable APR for purchases and cash advances based on creditworthiness and the Prime Rate.
Credit card score 81 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Terms
'As low as' rate based on credit performance and loan to value; maximum rate is 18.00%. No annual fee. Free balance transfers (no balance transfer fee).
Credit card score 81 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 10.75%APRas low as · up to 18.00%
10.75% APR, up to 18.00%
Terms
Variable APR ranging from 10.75% to 18.00% based on credit eligibility. No annual fee. Membership requires $5 savings deposit.
Credit card score 80 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - Campbell Federal Credit UnionMastercard Classic Red & White Credit Card · No annual fee
Credit union · 1 branch
10.90%APRas low asTerms
Non Variable rate of 10.9% APR. No Annual Fee. No transaction or cash advance fee. 25-day grace period on purchases. Credit limits from $300 to $25,000.
Credit card score 79 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Requires checking account with direct deposit. Non-variable rate.
Credit card score 79 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Variable rate. Rates as low as 10.90% APR. Rate subject to change. Certain restrictions apply.
Credit card score 79 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.25%APRas low as
Terms
Standard variable APR for purchases applied to unpaid introductory balances, new purchases, and new balance transfers after the introductory period. Rate based on credit history.
Credit card score 76 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.25%APRas low as · up to 18.00%
11.25% APR, up to 18.00%
Terms
The APR and credit limit are based on an individual's credit worthiness. The APR will vary with the market based on the Prime Rate. No annual fee.
Credit card score 76 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - Acclaim Federal Credit UnionConnect Rewards Plus Mastercard Credit Card · No annual fee
Credit union · 1 branch
11.40%APRas low asTerms
Revolving term. No annual fee. Rates as low as 11.40% APR. Rates effective as of 10/01/2026. A foreign transaction fee of up to 1% may be imposed. Rate may include Auto Pay, Active Checking, and/or Fully Protected discounts. Variable rates subject to increase or decrease. Subject to credit approval.
Credit card score 76 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 14.50%
11.50% APR, up to 14.50%
Terms
Variable APR on purchases equals Prime + margin of 4.50% - 7.50% based on creditworthiness. No annual fee.
Credit card score 75 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 11.65%APRas low as
Terms
Interest Rate as low as 11.65% APR.
Credit card score 75 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 21.75%
11.74% APR, up to 21.75%
Terms
As low as 12.65% APR. Variable rate based on Prime Rate plus margin ranging from 4.74% to 14.75%; maximum rate 18.00%.
Credit card score 75 · Carrot Score 87
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 North Carolina
55 banks and credit unions · checked Oct 16–22
- Typical
- 11.50%
- Top 10% up to
- 9.36%
- Banks, typical
- 15.74%
- 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.
North Carolina
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 17 branches
- Langley Credit UnionCredit union · 1 branch
- ElecTel Cooperative Federal Credit UnionCredit union · 5 branches