Compare Bank & Credit Union Rates
Best credit card rates in Odessa, 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 1–10 of 10 in Odessa, TX · median 13.86% APR
- 6.90%APRas low as
Credit card score 97 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Credit card score 84 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 10.50%APRas low as
Credit card score 81 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as
Terms
Rates as low as 12.50% APR; rates may vary. 25-day grace period. No annual fee.
Credit card score 70 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 21.74%
13.74% APR, up to 21.74%
Terms
Purchase APR: Prime + 6.74% - Prime + 14.74% based on creditworthiness. Variable rate based on Prime Rate in WSJ on last business day of prior month. 25-day grace period on purchases.
Credit card score 65 · Carrot Score 63
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 15.00%
14.00% APR, up to 15.00%
Terms
For shopping, entertainment and travel purchases. Stated as 14.00% or 15.00% (14.00%-15.00%). Rate is based on credit history and debt ratio; subject to credit approval. Member Reward Discount does not apply.
Credit card score 63 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - UMB BankUMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card · No annual fee
Bank · 1 branch
14.49%APRas low asTerms
After the first 12 months, 14.49% variable APR based on prime rate.
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 - 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
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 Odessa, TX
10 banks and credit unions · checked Oct 16–22
- Typical
- 13.86%
- Top 10% up to
- 9.60%
- Banks, typical
- 16.12%
- Credit unions, typical
- 11.50%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Odessa, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Complex Community Federal Credit UnionCredit union · 3 branches
- UMB BankBank · 1 branch