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 31–45 of 59 in Houston, TX metro · median 11.65% APR
- 11.90%APRas low as
Terms
Ongoing standard purchase APR.
Credit card score 73 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Rate is based on qualifications including credit history.
Credit card score 72 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
12% APR regardless of credit score. Non-variable rate. No annual fee.
Credit card score 72 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as
Terms
Variable APR as low as 12.24% for purchases and balance transfers. Qualification and rate is based on an assessment of individual creditworthiness and underwriting standards.
Credit card score 71 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - Houston Texas Fire Fighters Federal Credit UnionVISA Rewards · No annual fee
Credit union · 3 branches
12.40%APRas low as · up to 17.40%12.40% APR, up to 17.40%
Terms
Variable APR between 12.40% and 17.40% applies upon first billing cycle after 6 months on all balances not paid by statement due date depending upon individual credit criteria.
Credit card score 71 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as
Terms
Standard variable APR based on prime rate and credit history.
Credit card score 70 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 17.50%
12.50% APR, up to 17.50%
Terms
Non-variable rate based on creditworthiness. No balance transfer fees, no cash advance fees, and no penalty rates.
Credit card score 70 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 18.00%
12.50% APR, up to 18.00%
Credit card score 70 · Carrot Score 75
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 17.99%with conditions
12.74% APR, up to 17.99%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Variable rates as low as 12.74% APR (up to 17.99% APR). Stated APR assumes qualification for maximum available rate discount.
Credit card score 69 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as
Terms
Credit score 730+ (Grade A+). Automatic Transfer/ACH and protection discounts may reduce rate up to max discount of 0.50%.
Credit card score 69 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - Pioneer Mutual Federal Credit UnionGold Master Card (Credit Card) · No annual fee
Credit union · 3 branches
12.95%APRas low asTerms
Rates starting at 12.95% APR. No annual fee or cash advance fee. Rates and fees subject to change.
Credit card score 67 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 13.30%APRas low as
Terms
Variable APR based on Prime Rate; 'as low as' rate. No annual fee. 25-day grace period on purchases.
Credit card score 66 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as
Terms
No annual fee, no balance transfer fee, no cash advance fee. Variable APR based on the Wall Street Prime Rate plus an applicable margin.
Credit card score 66 · Carrot Score 81
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 - 13.74%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
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