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 38 in Miami, FL metro · median 13.50% APR
- Hialeah Municipal Employees Federal Credit UnionVisa Credit Cards · No annual fee
Credit union · 1 branch
7.99%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
No annual fee. No balance transfer fees. Fixed rate. Rates based on creditworthiness and reflect maximum discounts available. 25-day interest-free grace period on purchases.
Credit card score 93 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Terms
Fixed rate APR for purchases, balance transfers, and cash advances. 25-day grace period on purchases.
Credit card score 89 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 16.99%
8.99% APR, up to 16.99%
Terms
Fixed APR determined when account is opened, based on creditworthiness and underwriting guidelines.
Credit card score 88 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as
Terms
Rates as low as 9.49% APR based on the term and individual's creditworthiness. Subject to credit approval. No annual fee. Interest-free grace period on purchases.
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Option with no rewards. Same Great Rate on Purchases & Cash Advances.
Credit card score 87 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Variable APR equals 2.50% + Prime (tied to The Wall Street Journal Prime Rate). Credit line starts at $10,000. Cash Back is automatically deposited into a High Yield Savings account that earns 5%.
Credit card score 87 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed rate thereafter for purchases, cash advances, and balance transfers.
Credit card score 84 · 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 · 6 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 - 11.24%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 - 11.65%APRas low as
Terms
Revolving term. As low as 11.65% APR. No annual fee. Credit limit up to $20,000.
Credit card score 75 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as
Terms
Credit score range 760+. Rate formula: (Current Prime Rate) + 5.24 = 12.74%. Monthly periodic rate 1.0200%.
Credit card score 71 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as
Terms
Standard rate; As low as.
Credit card score 71 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - BrightStar Credit UnionEducator Rewards Visa Platinum Card · No annual fee
Credit union · 10 branches
12.49%APRas low as · up to 18.00%12.49% APR, up to 18.00%
Terms
Standard ongoing variable APR on purchases, balance transfers, and cash advances based on creditworthiness.
Credit card score 70 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 12.65%APRas low as
Terms
Rates can adjust quarterly subject to Prime Rates. Maximum rate is 18%. No balance transfer fee.
Credit card score 69 · Carrot Score 73
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 Miami, FL metro
38 banks and credit unions · checked Oct 15–22
- Typical
- 13.50%
- Top 10% up to
- 9.50%
- Banks, typical
- 16.62%
- Credit unions, typical
- 12.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Miami, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- American Airlines Federal Credit UnionCredit union · 6 branches
- JM Associates FCUCredit union · 1 branch
- First Choice Credit UnionCredit union · 2 branches