Compare Bank & Credit Union Rates
Best credit card rates in Chattanooga, TN
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–11 of 11 in Chattanooga, TN · median 12.00% APR
- 8.99%APRas low as
Terms
Rates subject to change without notice. Loans subject to credit approval; some restrictions apply.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - COMTRUST Federal Credit UnionCOMTRUST VISA PLATINUM Credit Card · No annual fee
Credit union · 3 branches
9.90%APRas low as · up to 13.90%9.90% APR, up to 13.90%
Terms
Fixed rate based on creditworthiness. Membership required. Subject to credit approval. No balance transfer fee.
Credit card score 84 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 10.00%APRas low as
Terms
Rates as low as 10%. Terms and rates subject to credit score.
Credit card score 81 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Credit Score: 850-750. Monthly payment must pay interest due and reduce principal balance by 5% (approximately an 18-month amortization).
Credit card score 72 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Credit score 720 and above.
Credit card score 72 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Revolving credit line ($5,000 min, $15,000 max). No annual fee. No cash advance or balance transfer fees.
Credit card score 72 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Standard APR as low as 12.00%. No annual fee, no balance transfer fee, no application fee.
Credit card score 72 · Carrot Score 81
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
Variable APR for Purchases determined monthly by adding 6.99% margin to Prime Rate (7.00% as of September 17, 2026). Introductory $0 annual fee for the first year, after that $450 (waived for eligible Wealth clients).
Credit card score 61 · Carrot Score 60
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 - 26.74%APRas low as
Terms
Standard APR for Purchases varies with the market based on WSJ Prime Rate + margin of 19.74%.
Credit card 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 Chattanooga, TN
11 banks and credit unions · checked Oct 15–22
- Typical
- 12.00%
- Top 10% up to
- 9.90%
- Banks, typical
- 16.24%
- Credit unions, typical
- 12.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Chattanooga, TN-GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Peach State Federal Credit UnionCredit union · 1 branch
- Chattanooga Federal Employees Credit UnionCredit union · 1 branch
- First Jackson BankBank · 1 branch