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 17 in Colorado · median 14.99% APR
- 9.99%APRas low as
Terms
Fixed APR.
Credit card score 82 · Carrot Score 74
Rate checked · Credit cards rates on its site
More details - 10.49%APRas low as
Terms
Variable ongoing APR for purchases, balance transfers, and cash advances calculated as Prime Rate + 6.99%. Maximum APR 21%. Index was 3.5% as of March 25, 2022.
Credit card score 81 · Carrot Score 69
Rate checked · Credit cards rates on its site
More details - 12.00%APRas low as
Terms
As low as 12% Variable APR. Subject to credit approval; APR based on credit history. High credit limit up to $20,000. 25-day grace period. No annual fee. No over-limit fee. Cash advances available.
Credit card score 72 · Carrot Score 70
Rate checked · Credit cards rates on its site
More details - 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
More details - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable APR based on creditworthiness.
Credit card score 65 · Carrot Score 65
Rate checked · Credit cards rates on its site
More details - 13.74%APRas low as · up to 21.74%
13.74% APR, up to 21.74%
Terms
Variable regular APR for purchases based on creditworthiness and prime rate (up to 24.99%).
Credit card score 65 · Carrot Score 72
Rate checked · Credit cards rates on its site
More details - 13.99%APRas low as
Terms
Competitive ongoing APR of Prime + 6.99%.
Credit card score 64
Rate checked · Credit cards rates on its site
More details - UMB BankUMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card · No annual fee
Bank · 25 branches
14.49%APRas low asTerms
After the first 12 months, 14.49% variable APR based on prime rate.
Credit card score 63 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 14.99%APRas low as · up to 24.99%
14.99% APR, up to 24.99%
Terms
Standard variable APR based on Prime Rate and creditworthiness.
Credit card score 62
Rate checked · Credit cards rates on its site
More details - 15.00%APRas low as
Terms
15% fixed annual percentage rate for purchases, balance transfers, and cash advances. No annual fee.
Credit card score 62
Rate checked · Credit cards rates on its site
More details - 15.74%APRas low as · up to 23.74%
15.74% APR, up to 23.74%
Terms
Prime + 8.74% to 16.74% based on creditworthiness, varying with the market based on the Prime Rate.
Credit card score 61
Rate checked · Credit cards rates on its site
More details - 15.99%APRas low as · up to 25.74%
15.99% APR, up to 25.74%
Terms
Variable APR after the introductory period.
Credit card score 61
Rate checked · Credit cards rates on its site
More details - 17.74%APRas low as · up to 28.49%
17.74% APR, up to 28.49%
Terms
17.74%, 24.24% or 28.49% variable APR thereafter.
Credit card score 61 · Carrot Score 63
Rate checked · Credit cards rates on its site
More details - 17.99%APRas low as · up to 27.99%
17.99% APR, up to 27.99%
Terms
Variable APR of 17.99% - 27.99% on all purchases and balance transfers.
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
More details - 18.49%APRas low as · up to 27.99%
18.49% APR, up to 27.99%
Terms
Variable APR
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
More details
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 Colorado
17 banks and credit unions · checked Oct 16–Nov 6
- Typical
- 14.99%
- Top 10% up to
- 11.40%
- Banks, typical
- 14.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Colorado
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Colorado Federal BankBank · 1 branch
- Altra Federal Credit UnionCredit union · 1 branch
- Canvas Credit UnionCredit union · 35 branches