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 Minneapolis, MN-WI metro · median 12.44% APR
- 7.90%APRas low as
Terms
Fixed APR. No annual fee. No balance transfer fees. 5-day grace period.
Credit card score 93 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.75%APRas low as
Terms
Subject to credit approval. No annual fee, no balance transfer fee, and no penalty rates for late payments. Low cash advance fee (greater of $25.00 or 1% of advance).
Credit card score 89 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Rate for purchases, balance transfers, and cash advances; precise rate depends on creditworthiness.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate 'as low as' assumes A+ credit score and Gold MVP level (includes 0.50% Gold MVP discount). APR is based on cumulative credit score and Membership Value Pricing status. No annual fee and no balance transfer fee. No fee for cash advance.
Credit card score 88 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
APR determined at time account is opened based on credit qualifications. No annual fee. 28-day interest-free grace period.
Credit card score 84 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
APR of 9.9% on purchases, cash advance, and balance transfer. Qualification based on creditworthiness and underwriting standards.
Credit card score 84 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Annual fee is waived if you pay off your card every month and incur no finance charges. Minimum credit line of $5000. 25-day grace period on purchases. No balance transfer fees.
Credit card score 81 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Rate based on creditworthiness. No annual fee. Ideal for balance consolidation. Excluded from rewards program.
Credit card score 82 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 10.74%APRas low as · up to 21.74%
10.74% APR, up to 21.74%
Terms
Variable APR based on creditworthiness and Prime Rate.
Credit card score 80 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as · up to 14.90%
10.90% APR, up to 14.90%
Terms
Non-variable APR based on creditworthiness. Applies to purchases, balance transfers, and cash advances. $0 annual fee, $0 balance transfer and cash advance fee. Revolving line.
Credit card score 79 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Fixed rate
Credit card score 79 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 11.15%APRas low as · up to 18.00%
11.15% APR, up to 18.00%
Terms
Purchase APR is 11.15%, 16.40%, 17.40%, or 18.00% depending on creditworthiness. Variable APR determined by adding 4.15%, 9.40%, 10.40%, or 12.40% to the Prime Rate. Maximum APR is 18.00%.
Credit card score 77 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low as · up to 21.49%
11.49% APR, up to 21.49%
Terms
Thereafter the then-prevailing APR will be applied to outstanding balances. Variable APR based on Prime Rate and creditworthiness (between 11.49% - 21.49% as of August 2, 2026). Rate subject to change semi-annually. Minimum credit line $500.
Credit card score 76 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low as · up to 16.50%
11.49% APR, up to 16.50%
Terms
Variable APR based on Prime Rate and creditworthiness (maximum 18% APR). No balance transfer fees.
Credit card score 76 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as · up to 18.00%
11.75% APR, up to 18.00%
Terms
Variable APR for purchases based on creditworthiness, not to exceed 18.00%. $0 balance transfer fee.
Credit card score 74 · Carrot Score 70
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 Minneapolis, MN-WI metro
38 banks and credit unions · checked Oct 16–22
- Typical
- 12.44%
- Top 10% up to
- 9.63%
- Banks, typical
- 14.99%
- Credit unions, typical
- 11.49%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Minneapolis, MN-WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- VisionBankBank · 1 branch
- Luminate BankBank · 1 branch
- St. Paul Federal Credit UnionCredit union · 3 branches