Compare Bank & Credit Union Rates
Best credit card rates in Utah
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 16–30 of 42 in Utah · median 11.62% APR
- 10.90%APRas low as
Credit card score 79 · Carrot Score 67
Rate checked · Credit cards rates on its site
Rates and branches - 10.95%APRas low as
Terms
Fixed APR for purchases, cash advances and balance transfers. Card designation and associated rate is based on credit worthiness and underwriting criteria.
Credit card score 78 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Variable APR as low as 10.99% based on creditworthiness. Same rate on purchases, cash advances, and balance transfers. No annual or cash advance fees.
Credit card score 77 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Variable rate as low as 11.00%. No annual fee, no cash advance fee, no teaser rates, and a 25-day grace period on purchases.
Credit card score 77 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - Security Service Federal Credit UnionSecurity Service Power MasterCard® · No annual fee
Credit union · 13 branches
11.24%APRas low as · up to 18.00%11.24% APR, up to 18.00%
Terms
Purchase APR is variable based upon market prime rate. Maximum APR will not exceed 18%.
Credit card score 76 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low as
Terms
Variable APR. On Approved Credit (OAC); best rate, rate may vary depending on underwriting criteria and credit score.
Credit card score 76 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as
Terms
Variable APR based on Prime Rate index plus margin. No annual fees. Visa Platinum requires a $6,000 minimum limit. Maximum APR of 18%.
Credit card score 75 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 21.74%
11.74% APR, up to 21.74%
Terms
Variable APR. Subject to change at any time without notice.
Credit card score 75 · Carrot Score 62
Rate checked · Credit cards rates on its site
Rates and branches - 11.74%APRas low as · up to 18.00%
11.74% APR, up to 18.00%
Terms
Variable annual percentage rate between 11.74% to 18.00% based on creditworthiness. No annual or balance transfer fees.
Credit card score 75 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
On approved credit. Variable APR based on Prime Rate; maximum 18%. 28-day grace period. No balance transfer fee. Cash advances permitted. No annual fee. Foreign transaction fee 1% in USD.
Credit card score 72 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 18.00%
12.00% APR, up to 18.00%
Terms
Subject to credit approval; credit criteria and restrictions apply.
Credit card score 72 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as
Terms
Variable rate.
Credit card score 71 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - Delta Community Credit UnionVisa Platinum Rewards Credit Card · No annual fee
Credit union · 1 branch
13.50%APRas low as · up to 17.50%13.50% APR, up to 17.50%
Terms
Variable Rate. Availability of rates based on creditworthiness and other factors. Credit line up to $50,000.
Credit card score 65 · Carrot Score 88
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 - 13.70%APRas low as
Terms
Variable APR. No balance transfer fee. 2% international fee. 2% cash advance fee.
Credit card score 65 · Carrot Score 89
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 Utah
42 banks and credit unions · checked Oct 16–22
- Typical
- 11.62%
- Top 10% up to
- 9.53%
- Banks, typical
- 16.74%
- Credit unions, typical
- 10.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Utah
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 87 branches
- Deseret First Credit UnionCredit union · 12 branches
- Cyprus Credit UnionCredit union · 23 branches