Compare Bank & Credit Union Rates
Best credit card rates, lowest APRs
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 38 in Atlanta, GA metro · median 12.72% APR
- 11.24%APRas low as
Terms
As low as 11.24%. Stated as same low rate for balance transfers, cash advances, and purchases with no balance transfer or cash advance fees.
Credit card score 76 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 13.90%
11.90% APR, up to 13.90%
Terms
Variable APR for purchases, balance transfers, and cash advances: Prime + 4.90% to Prime + 6.90% based on creditworthiness. WSJ Prime adjusted last day of each month with a floor of 4%. Max APR 18%.
Credit card score 73 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 12.49%APRas low as
Terms
Variable APR based on Prime Rate. Rates as low as 12.49%. Qualified rates vary based on creditworthiness.
Credit card score 70 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 12.70%APRas low as
Terms
Unsecured. Actual interest rate may vary depending on credit history, collateral, term, and loan to value.
Credit card score 69 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 20.74%
12.74% APR, up to 20.74%
Terms
After that, a variable rate, that is Prime +5.74% to Prime +13.74% APR applies, based on creditworthiness. The APR will not exceed 23.99%.
Credit card score 69
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as
Terms
Purchase APR. Variable based on Prime Rate (Prime + 5.74% margin).
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.20%APRas low as
Terms
Low Variable APR as low as 13.20%. Maximum APR is 18.00%. No annual fee. No foreign transaction fee. Lowest interest rate. Credit limit minimum of $500.
Credit card score 66 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - Delta Community Credit UnionVisa Platinum Rewards Credit Card · No annual fee
Credit union · 29 branches
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 16.00%
13.50% APR, up to 16.00%
Terms
Rate depends on creditworthiness. Variable rate.
Credit card score 65 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 65 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 13.90%APRas low as · up to 18.00%
13.90% APR, up to 18.00%
Terms
Variable ongoing APR based on the highest Prime Rate in WSJ Money Rates; maximum APR is 18.00%.
Credit card score 64 · Carrot Score 69
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 - 14.92%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 - 15.00%APRas low as
Terms
APR of Wall Street Journal Prime Rate plus 8%.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - First National Community BankVisa Platinum Cashback Rewards Credit Card · $35 annual fee
Bank · 3 branches
15.00%APRas low asTerms
Variable APR based on Wall Street Journal Prime Rate + 8.00% for Purchases, Balance Transfers, and Cash Advances.
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 Atlanta, GA metro
38 banks and credit unions · checked Oct 16–22
- Typical
- 12.72%
- Top 10% up to
- 8.90%
- Banks, typical
- 15.00%
- Credit unions, typical
- 10.65%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Atlanta, GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Peach State Federal Credit UnionCredit union · 12 branches
- MembersFirst Credit UnionCredit union · 10 branches
- American Pride BankBank · 1 branch