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 31–45 of 195 in Texas · median 10.90% APR
- 8.99%APRas low as
Credit card score 88 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 14.99%
8.99% APR, up to 14.99%
Terms
No annual fee. The APR you receive will be based on creditworthiness/credit score.
Credit card score 88 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Rates for loans effective as of May 1, 2026. APR as low as 8.99% (ranges from 8.99% - 17.99% based on creditworthiness and card type). Fixed APR for purchases and cash advances. No annual fees, no balance transfer fees, no cash advance fees.
Credit card score 88 · Carrot Score 93
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%
Terms
No balance transfer fees. Rates as low as 8.99% APR.
Credit card score 88 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.00%APRas low as
Terms
Rate based on creditworthiness and term of loan. Accepted worldwide for purchases and cash advances at the same great low rate.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.00%APRas low as
Terms
Fixed APR applies equally to purchases, balance transfers, and cash advances. No balance transfer fee, no cash advance fee, and no penalty APR. Minimum credit limit is $1,000.00; maximum credit limit is $15,000.00.
Credit card score 88 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 9.00%APRas low as
Terms
Fixed rate revolving. Fixed APR of 9.00% applies to purchases, balance transfers, and cash advances. Payment due date is at least 25 days after the close of each billing cycle; no interest charged on purchases if entire balance is paid by due date each month. Minimum interest charge of $1.50 if interest is charged.
Credit card score 88 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 9.18%APRas low as
Terms
Rates from / APR as low as 9.18%; No Annual Fee; limits up to $10,000. Rates and terms vary and are based on credit score and collateral.
Credit card score 88 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 9.25%APRas low as · up to 18.00%
9.25% APR, up to 18.00%
Terms
Standard variable APR for purchases paying interest. Varies with the market based on the Prime Rate.
Credit card score 88 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 9.40%APRas low as · up to 17.40%
9.40% APR, up to 17.40%
Terms
Annual Percentage Rate (APR) will be 9.40%-17.40% based on creditworthiness. No annual fee. Low APR on balance transfers for the life of the balance.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Credit score: Excellent
Credit card score 87 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.75%APRas low as
Terms
Rate is as low as. Rate is based on credit rating and is subject to normal credit approval.
Credit card score 87 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 15.90%
9.90% APR, up to 15.90%
Terms
Fixed non-variable APR ranging from 9.90% to 15.90% based on credit score. No annual fee.
Credit card score 84 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Interest-free purchases when balance is cleared by each monthly due date. Fee-free cash advances at any ATFCU location.
Credit card score 84 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed APR. Subject to credit approval; rate based on credit score.
Credit card score 84
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
195 banks and credit unions · checked Oct 16–22
- Typical
- 10.90%
- 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