Compare Bank & Credit Union Rates
Best credit card rates in Ohio
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 116 in Ohio · median 10.97% APR
- 5.99%APRas low as
Credit card score 99 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 6.99%APRas low as · up to 15.99%
6.99% APR, up to 15.99%
Terms
Fixed APR depending on creditworthiness.
Credit card score 96 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 6.99%APRas low as · up to 17.88%
6.99% APR, up to 17.88%
Terms
Standard Fixed APR for purchases, balance transfers, and cash advances applied after the first six months to all new and outstanding balances. Rate is based on credit score and history.
Credit card score 96 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 7.17%APRas low as · up to 22.99%
7.17% APR, up to 22.99%
Terms
Purchase APR for purchases made after 90 days following account opening, based on creditworthiness from Annual Credit Monitoring.
Credit card score 95 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as · up to 9.90%
7.90% APR, up to 9.90%
Terms
Fixed APR for purchases depending upon credit history. Credit limits range from $500 to $7,500. 25-day grace period on purchases. Minimum monthly payment of 3% of balance.
Credit card score 93 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as
Terms
Repayment is 2% of the balance owed. 25-day grace period on all purchases.
Credit card score 93 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed rate. To qualify for 8.90% APR, credit score must be 700 or higher. Rates are determined by creditworthiness. Monthly payment is 2.5% of the outstanding balance. NO annual fee, NO balance transfer fee, NO cash advance fee.
Credit card score 89 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR for purchases, balance transfers, and cash advances. Rates illustrated reflect a 0.25% discount for having Credit Union checking account with direct deposit of $500 or more each month. Actual loan rate will be determined from your credit score.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 16.90%
8.90% APR, up to 16.90%
Terms
Standard APR on unpaid balance based on creditworthiness. 8.90% APR listed as lowest rate as of October 1, 2026. No annual fee, no cash advance or domestic transaction fees. No interest charged on purchases if paid within 25 days of statement date. 1% foreign transaction fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed APR.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 14.99%
8.99% APR, up to 14.99%
Terms
Rate based on creditworthiness. Fixed rate. 25-day grace period on purchases. Average daily balance method. Minimum interest charge $0.01. Penalty APR 16.99% if 60 days late or payment returned.
Credit card score 88 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - Midwest Community Federal Credit UnionVISA Platinum Credit Card · No annual fee
Credit union · 3 branches
8.99%APRas low asTerms
Purchases and Cash Advances on approved credit.
Credit card score 88 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 15.99%
8.99% APR, up to 15.99%
Terms
8.99%, 9.99%, 12.99%, or 15.99% based on creditworthiness. Due date is at least 25 days after the close of each billing cycle.
Credit card score 88 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
As low as rates are based on credit history, credit qualifications and approval; actual rate is determined by credit score. Classic Credit Card Plan rates are fixed. Low fixed rate for purchases and cash advances; no fee for balance transfers.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - TrueCore Federal Credit UnionTrueCore Visa Rewards True Card · $69 annual fee
Credit union · 4 branches
8.99%APRas low asTerms
Fixed low rate starting at 8.99%. $69 annual fee waived the first year. 1.5% cash back on purchases. No balance transfer fee. $150 cash back bonus after first 3 months with $3,000 in purchases. Metal card.
Credit card score 81 · Carrot Score 74
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 Ohio
116 banks and credit unions · checked Oct 16–22
- Typical
- 10.97%
- Top 10% up to
- 8.99%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.49%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Ohio
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 7 17 Credit UnionCredit union · 16 branches
- Homeland Credit UnionCredit union · 5 branches
- Chivaho Federal Credit UnionCredit union · 1 branch