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 1–15 of 26 in Charlotte, NC-SC metro · median 13.50% APR
- 8.90%APRas low as
Terms
Fixed rate. Cash advance APR does not increase. 25-day grace period on purchases. Earn points on all purchases towards rewards.
Credit card score 89 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - Lion's Share Federal Credit UnionTarjeta de crédito Visa Platinum · No annual fee
Credit union · 1 branch
8.90%APRas low asTerms
TAE desde 8.90%. Basado en la solvencia del solicitante.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed-rate purchases as low as 9.90% APR. Actual rate based on individual credit. No annual fee. 25-day grace period. Credit lines starting at $500.
Credit card score 84 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Credit card score 84 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Purchases. 25-day grace period.
Credit card score 82 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; tied to the U.S. Prime Rate.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - American Airlines Federal Credit UnionVisa Platinum Low Rate · No annual fee
Credit union · 2 branches
10.50%APRas low as · up to 18.00%10.50% APR, up to 18.00%
Terms
Variable APR for purchases and cash advances based on creditworthiness and the Prime Rate.
Credit card score 81 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 11.25%APRas low as
Terms
Standard variable APR for purchases applied to unpaid introductory balances, new purchases, and new balance transfers after the introductory period. Rate based on credit history.
Credit card score 76 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as · up to 14.50%
11.50% APR, up to 14.50%
Terms
Variable APR on purchases equals Prime + margin of 4.50% - 7.50% based on creditworthiness. No annual fee.
Credit card score 75 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - Family Trust Federal Credit UnionTraditional Visa Credit Card · No annual fee
Credit union · 7 branches
12.70%APRas low as · up to 18.15%12.70% APR, up to 18.15%
Terms
Standard variable APR based on Prime Rate; assigned upon approval based on creditworthiness. Minimum credit limit is $500.
Credit card score 69 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 13.40%APRas low as · up to 23.40%
13.40% APR, up to 23.40%
Terms
After 6 months, a variable 13.40 – 23.40% APR will apply.
Credit card score 66
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 18.00%
13.50% APR, up to 18.00%
Terms
Non-variable rate based on credit history and rate discounts up to 0.75% (excluding promotions). 25-day grace period for purchases. Same interest rate applies to cash advances and balance transfers. Minimum share balance $25.00 (fee assessed on accounts below minimum).
Credit card score 65 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - Carolinas Telco Federal Credit UnionVisa Platinum Low Rate Credit Card · No annual fee
Credit union · 5 branches
13.50%APRas low asTerms
APR as low as 13.50%, varying based on creditworthiness up to 18.00%. No annual fee. Terms may vary.
Credit card score 65 · Carrot Score 91
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 - Ukrainian Federal Credit UnionUFCU Everyday Rewards Visa Card · No annual fee
Credit union · 1 branch
13.50%APRas low as · up to 18.00%13.50% APR, up to 18.00%
Terms
For purchases and balance transfers. Starting as low as Prime + 6.5%.
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 Charlotte, NC-SC metro
26 banks and credit unions · checked Oct 16–22
- Typical
- 13.50%
- Top 10% up to
- 9.90%
- Banks, typical
- 15.74%
- Credit unions, typical
- 11.50%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Charlotte, NC-SC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 13 branches
- Allegacy FinancialCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 2 branches