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 181–195 of 196 in Texas · median 10.91% APR
- 15.49%APRas low as · up to 22.49%
15.49% APR, up to 22.49%
Terms
15.49%, 18.49% or 22.49% based on creditworthiness. Variable APR calculated by adding a margin of 8.49% - 15.49% to the Prime Rate (7.00%). Rate will not exceed maximum rate of 24.00%.
Credit card score 62 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 16.49%APRas low as
Terms
Purchase APR as low as 16.49% variable based on creditworthiness. APR varies with the market based on the Prime Rate. No annual fee.
Credit card score 61 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 16.74%APRas low as
Terms
Purchase APR is variable (Prime Rate of 6.75% + 9.74% margin, max 22.99%).
Credit card score 61 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 16.75%APRas low as · up to 21.75%
16.75% APR, up to 21.75%
Terms
Variable APR based on creditworthiness, varying with the market based on the Prime Rate. Sum of Prime plus margin (range 9.75% to 14.75%). Prime Rate was 7.00% as of 09/17/26.
Credit card score 61 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 16.90%APRas low as
Terms
Featured rate as low as stated. Rates Subject to Change.
Credit card score 61 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as · up to 27.74%
17.74% APR, up to 27.74%
Terms
Variable APR based on creditworthiness and Prime Rate index beginning in the 13th billing cycle. Effective as of 10/22/2026.
Credit card 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 - Border FCUVISA Signature Rewards / VISA Rewards Credit Card · No annual fee
Credit union · 5 branches
17.75%APRas low asTerms
Fixed rate APR for purchases, balance transfers, and cash advances.
Credit card score 60 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 17.99%APRas low as · up to 27.99%
17.99% APR, up to 27.99%
Terms
Variable APR of 17.99% - 27.99% on all purchases and balance transfers.
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - First Service Credit UnionFirst Service Cash Back Visa® Credit Card · No annual fee
Credit union · 14 branches
17.99%APRas low asTerms
Standard APR subject to credit approval.
Credit card score 60 · Carrot Score 88
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 · 10 branches
17.99%APRas low asTerms
Purchase variable APR based on creditworthiness.
Credit card score 60 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 17.99%APRas low as
Terms
Standard $35 annual fee applies with the exception of the Preferred Points Card which is $45.
Credit card score 60
Rate checked · Credit cards rates on its site
Rates and branches - 18.00%APRas low as
Terms
Non-variable rate. The Purchase APR is 18.00% (daily periodic rate of 0.0493%). No annual fee. Balance transfer options available.
Credit card score 60 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 18.49%APRas low as · up to 27.49%
18.49% APR, up to 27.49%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 60 · Carrot Score 66
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 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