Compare Bank & Credit Union Rates
Best credit card rates in Memphis, 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 1–15 of 18 in Memphis, TN · median 12.95% APR
- Memphis City Employees Credit UnionMastercard® Platinum Rewards Card · No annual fee
Credit union · 5 branches
7.90%APRas low as · up to 16.90%7.90% APR, up to 16.90%
Terms
Rate determined by creditworthiness.
Credit card score 93 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 16.99%
8.99% APR, up to 16.99%
Terms
Fixed APR determined when account is opened, based on creditworthiness and underwriting guidelines.
Credit card score 88 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 17.99%
8.99% APR, up to 17.99%
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed APR As low as 9.90%. Final rate based on creditworthiness.
Credit card score 84 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.96%APRas low as
Terms
Fixed rates as low as 9.96% APR. Annual Percentage Rates on purchases and balance transfers are based on normal credit criteria.
Credit card score 81 · Carrot Score 65
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 - 11.00%APRas low as · up to 18.00%
11.00% APR, up to 18.00%
Terms
Wall Street Prime plus 4% to 12%. Maximum 18% APR. Rate subject to change quarterly. Up to $15,000 Limit.
Credit card score 77 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Credit card score 67 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as · up to 18.00%with conditions
13.00% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Variable APR based on Prime. Rate is the same as the Platinum Advantage Visa interest rate. Requires direct deposit of full net pay to a First South Financial Checking or Savings Plus account.
Credit card score 66 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 13.25%APRas low as · up to 18.00%
13.25% APR, up to 18.00%
Terms
Credit Limits of Up to $10,000.
Credit card score 66 · Carrot Score 73
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 - 14.00%APRas low as · up to 22.00%
14.00% APR, up to 22.00%
Terms
Variable Purchase APR based on creditworthiness. Variable rate is 7.00% to 15.00% + Prime Rate. Prime Rate of 7.00% as of September 16, 2026.
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 14.00%APRas low as · up to 18.00%
14.00% APR, up to 18.00%
Terms
Variable APR. $500 minimum limit. Minimum payment is 1% or $25, whichever is greater. No cash advance fee.
Credit card score 63 · Carrot Score 88
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
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 Memphis, TN
18 banks and credit unions · checked Oct 15–22
- Typical
- 12.95%
- Top 10% up to
- 8.92%
- Banks, typical
- 15.87%
- Credit unions, typical
- 10.62%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Memphis, TN-MS-AR metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- LGWFCUCredit union · 1 branch
- Leaders Credit UnionCredit union · 2 branches
- Memphis City Employees Credit UnionCredit union · 6 branches