Compare Bank & Credit Union Rates
Best credit card rates in Texas
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 166–180 of 196 in Texas · median 10.91% APR
- 13.99%APRas low as
Terms
Ongoing variable APR of Prime + 6.99% (rate cap 21%) including cash advances and balance transfers. Variable with the market based on the Prime Rate.
Credit card score 63 · Carrot Score 60
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
Variable Annual Percentage Rate (APR) for purchases. No annual fee and no balance transfer fee.
Credit card score 63 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Go to Rate of Prime + 6.99%
Credit card score 63 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Go to Rate of Prime + 6.99%.
Credit card score 63 · Carrot Score 68
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 - 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 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 - 14.25%APRas low as · up to 17.90%
14.25% APR, up to 17.90%
Terms
Variable APR based on Prime Rate. Rates determined by creditworthiness and other factors. 25-day grace period on purchases before interest is charged. No balance transfer fee.
Credit card score 63 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 14.25%APRas low as · up to 17.90%
14.25% APR, up to 17.90%
Terms
Rate for purchases. Rates based on applicant creditworthiness. Zero balance transfer fee.
Credit card score 63 · Carrot Score 88
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 · 20 branches
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 - 14.50%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Credit card score 63 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 14.75%APRas low as
Terms
Variable APR based on the market Prime Rate. APR based on evaluation of applicant's credit. Minimum monthly payment due will be the greater of 2.5% of outstanding balance or $10.
Credit card score 63 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 14.92%APRas low as
Terms
Grace period of at least 25 days on purchases when paying the entire balance by the due date. No annual fee. Late payment fee: 5% of payment due or maximum $10. Includes platinum travel and concierge benefits.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - First Bank TexasTarjeta de recompensas con devolución de efectivo · $35 annual fee
Bank · 15 branches
15.00%APRas low asTerms
Tasa de porcentaje anual (APR) calculada en función de la tasa preferencial de Wall Street: tasa preferencial + 8 %
Credit card score 61
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 Texas
196 banks and credit unions · checked Oct 16–23
- Typical
- 10.91%
- Top 10% up to
- 8.90%
- Banks, typical
- 14.00%
- Credit unions, typical
- 10.75%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Texas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- NAFT Federal Credit UnionCredit union · 3 branches
- Barksdale Federal Credit UnionCredit union · 2 branches