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 21 in Florida · median 16.75% APR
- 11.90%APRas low as · up to 23.90%
11.90% APR, up to 23.90%
Terms
Prime + 4.9% to Prime + 16.9%
Credit card score 74 · Carrot Score 83
Rate checked · Credit cards rates on its site
More details - 12.00%APRas low as
Terms
$25 annual fee waived with a United Bank deposit account. 25 day grace period. Applies to purchases, cash advances and balance transfers. Subject to credit approval.
Credit card score 70 · Carrot Score 83
Rate checked · Credit cards rates on its site
More details - 12.74%APRas low as
Terms
Varies with the market based on the Prime Rate. Daily periodic rate of 0.03559%.
Credit card score 63
Rate checked · Credit cards rates on its site
More details - 13.49%APRas low as · up to 21.49%
13.49% APR, up to 21.49%
Terms
Ongoing variable APR after the introductory period.
Credit card score 66 · Carrot Score 60
Rate checked · Credit cards rates on its site
More details - 13.74%APRas low as · up to 20.74%
13.74% APR, up to 20.74%
Terms
Variable APR (NOR version).
Credit card score 65 · Carrot Score 60
Rate checked · Credit cards rates on its site
More details - 13.99%APRas low as
Terms
Go to Rate of Prime + 6.99%.
Credit card score 63
Rate checked · Credit cards rates on its site
More details - 13.99%APRas low as
Terms
Variable APR based on the Prime Rate plus 6.99%.
Credit card score 61 · Carrot Score 61
Rate checked · Credit cards rates on its site
More details - 14.90%APRas low as
Terms
Minimum credit limit is $2,500 and maximum credit limit is $25,000.
Credit card score 62 · Carrot Score 60
Rate checked · Credit cards rates on its site
More details - 14.90%APRas low as
Terms
Annual Percentage Rate (APR) for Purchases is 14.90% Fixed. Primary card annual fee of $250 is waived during the first year; waived in subsequent years if annual spending is $35,000 or more. No fee for additional cards. Foreign transaction fee is 2.5% of each non-U.S. transaction after conversion to US dollars.
Credit card score 60
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 - 16.75%APRas low as · up to 21.75%
16.75% APR, up to 21.75%
Terms
Variable APR based on Prime Rate (Prime + margin between 9.75% and 14.75%). Prime was 7.00% as of 9/17/26. Rate applies after the introductory period.
Credit card score 61 · Carrot Score 61
Rate checked · Credit cards rates on its site
More details - 17.74%APRas low as · up to 27.74%
17.74% APR, up to 27.74%
Terms
Variable APR based on creditworthiness and Prime Rate index beginning in the 13th billing cycle. Effective as of 10/30/2026.
Credit card score 60
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 60 · Carrot Score 63
Rate checked · Credit cards rates on its site
More details - 17.90%APRas low as
Terms
Fixed APR for purchases.
Credit card score 60 · Carrot Score 69
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
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 Florida
21 banks and credit unions · checked Oct 22–30
- Typical
- 16.75%
- Top 10% up to
- 12.74%
- Banks, typical
- 16.75%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Florida
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 9 branches
- Climate First BankBank · 4 branches
- Oxford Federal Credit UnionCredit union · 1 branch