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 59 in Houston, TX metro · median 11.65% APR
- 5.90%APRas low as
Terms
Interest rates starting as low as 5.9% APR. All cards have no annual fee, 25-day grace period on purchases. Relationship Discount reduces rate by .15%.
Credit card score 99 · Carrot Score 99
Rate checked · Credit cards rates on its site
Rates and branches - 7.00%APRas low as
Terms
Ongoing variable APR equal to the Prime Rate without added margins. Applies to purchases, balance transfers, and cash advances.
Credit card score 92 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - Gulf Coast Educators Federal Credit UnionTexas Educators Rewards Credit Card · No annual fee
Credit union · 9 branches
7.24%APRas low as · up to 17.24%7.24% APR, up to 17.24%
Terms
Base APR is 10.24% (or 8.74% on rates page). Standard purchase variable APR ranges from 6.99% to 16.99% based on creditworthiness and varies with the market based on the Prime Rate.
Credit card score 95 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as · up to 15.90%
7.90% APR, up to 15.90%
Terms
Subject to credit approval. Qualifying rates may be based on a combination of credit score and other normal lending criteria. $0 balance transfer fee.
Credit card score 93 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 7.99%APRas low as
Terms
Standard revolving rate based on creditworthiness. Rates starting at 7.99% APR. Standard rate will be between 7.99% and 18.00% APR.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Credit card score 89 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Rates starting as low as 8.99% APR. No annual fees and no balance transfer fee. Credit card limits starting at $3,000. APR is based on creditworthiness criteria.
Credit card score 88 · Carrot Score 87
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 - 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 - 9.18%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 - 9.40%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 - 9.90%APRas low as
Credit card score 84 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Rate is As Low As (ALA); actual rate depends on personal credit history. Rate locked-in at time of credit approval for up to 30 days.
Credit card score 84 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 12.90%
9.90% APR, up to 12.90%
Terms
Rates based on creditworthiness; APR options are 9.90%, 11.90%, or 12.90% for purchases. 25-day interest free grace period on purchases paid in full. Zero transaction fees.
Credit card score 84 · 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 Houston, TX metro
59 banks and credit unions · checked Oct 16–22
- Typical
- 11.65%
- Top 10% up to
- 8.97%
- Banks, typical
- 14.00%
- Credit unions, typical
- 10.94%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Houston, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Nizari Credit UnionCredit union · 2 branches
- Cornerstone Capital BankBank · 1 branch