Compare Bank & Credit Union Rates
Best credit card rates in Irving, TX
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–14 of 14 in Irving, TX · median 13.78% APR
- 9.90%APRas low as
Credit card score 84 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Purchase APR for purchases at Bass Pro Shops and Cabela's.
Credit card score 82 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and 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 - 12.40%APRas low as · up to 17.90%
12.40% APR, up to 17.90%
Terms
Purchases APR. Based on creditworthiness; variable with prime rate. Balance transfer fee: None.
Credit card score 71 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as
Terms
No annual fee, no balance transfer fee, no cash advance fee. Variable APR based on the Wall Street Prime Rate plus an applicable margin.
Credit card score 66 · Carrot Score 81
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 - 13.65%APRas low as · up to 18.24%
13.65% APR, up to 18.24%
Terms
Variable APR based on Prime Rate and overall creditworthiness. No annual fee, balance transfer fee, or cash advance fee.
Credit card score 65 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 13.90%APRas low as · up to 17.90%
13.90% APR, up to 17.90%
Terms
Standard APR is 13.90% to 17.90% APR. No annual fee.
Credit card score 64 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as · up to 17.99%
13.99% APR, up to 17.99%
Terms
Rates based on creditworthiness. No balance transfer fees.
Credit card score 63 · Carrot Score 93
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 - 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 - PenFed Credit UnionPenFed Power Cash Rewards Visa Signature Card · No annual fee
Credit union · 1 branch
17.99%APRas low asTerms
Purchase variable APR based on creditworthiness.
Credit card score 60 · Carrot Score 96
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 Irving, TX
14 banks and credit unions · checked Oct 16–22
- Typical
- 13.78%
- Top 10% up to
- 10.14%
- Banks, typical
- 15.86%
- Credit unions, typical
- 13.57%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Dallas, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Prestige Community CUCredit union · 2 branches
- Nizari Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 2 branches