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 28 in San Antonio, TX metro · median 13.50% APR
- 8.90%APRas low as
Terms
Variable APR as low as 8.9% based on creditworthiness. Features a 25-day grace period and no annual fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - Southwest Research Center Federal Credit UnionPlatinum Mastercard · No annual fee
Credit union · 2 branches
8.90%APRas low asTerms
APR as low as 8.9%. No annual fee. No cash advance fee. 25-day grace period. No minimum finance charge. No transaction fee for purchases. No over-the-limit fee. No balance transfer fee.
Credit card score 89 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Fixed APR for purchases. Annual fee None.
Credit card score 82 · Carrot Score 72
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 - 10.40%APRas low as
Terms
Platinum I tier. Variable APR based on Prime Rate.
Credit card score 81 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Rate based on credit worthiness. 25 days grace period from statement closing date if new balance is paid in full each month by the payment due date. Minimum finance charge: None. Foreign transaction fee up to 1% on international transactions.
Credit card score 79 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.20%APRas low as · up to 18.00%
11.20% APR, up to 18.00%
Terms
Regular variable APR dependent upon credit rating and other factors; varies with market based on prime rate.
Credit card score 77 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - Security Service Federal Credit UnionSecurity Service Power MasterCard® · No annual fee
Credit union · 26 branches
11.24%APRas low as · up to 18.00%11.24% APR, up to 18.00%
Terms
Purchase APR is variable based upon market prime rate. Maximum APR will not exceed 18%.
Credit card score 76 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 11.50%APRas low as
Terms
11.50% APR as low as; subject to approval. Rates and terms may vary based on creditworthiness.
Credit card score 75 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 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 · up to 23.99%
11.99% APR, up to 23.99%
Terms
Credit Card APR may vary and is determined by adding margin (4.99% to 16.99%) to the U.S. prime rate published in the Money Rates section of the Wall Street Journal on the first business day of the month.
Credit card score 72 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 18.00%
12.25% APR, up to 18.00%
Terms
Variable APR based on Prime Rate / WSJP plus a margin, determined by creditworthiness.
Credit card score 71 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 12.65%APRas low as · up to 17.90%
12.65% APR, up to 17.90%
Terms
Purchase APR based on creditworthiness; variable with Prime Rate up to 18.00% max.
Credit card score 69 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as · up to 18.00%
13.49% APR, up to 18.00%
Terms
After the first 12 months, 13.49% to 18% Variable APR on purchases based on creditworthiness. Variable APR will not exceed 18%.
Credit card score 66 · Carrot Score 87
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
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 San Antonio, TX metro
28 banks and credit unions · checked Oct 15–22
- Typical
- 13.50%
- Top 10% up to
- 10.16%
- Banks, typical
- 13.99%
- 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.
San Antonio, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nizari Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 4 branches
- CommunityAmerica Credit UnionCredit union · 1 branch