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 1–14 of 14 in Kansas · median 15.24% APR
- First State Bank & TrustFirst State Bank & Trust Visa® Platinum Credit Card · No annual fee
Bank · 7 branches
9.90%APRas low as · up to 15.90%9.90% APR, up to 15.90%
Terms
Fixed APR between 9.9% - 15.9% based on credit approval for purchases. Good - Excellent credit level.
Credit card score 84
Rate checked · Credit cards rates on its site
More details - 10.99%APRas low as
Terms
Fixed APR for purchases. Grace period of at least 25 days after the close of each billing cycle on purchases if entire balance is paid by due date.
Credit card score 78 · Carrot Score 70
Rate checked · Credit cards rates on its site
More details - 11.75%APRas low as
Terms
As low as 11.75% 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 75 · Carrot Score 70
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 · Carrot Score 68
Rate checked · Credit cards rates on its site
More details - 13.99%APRas low as
Terms
Ongoing variable APR: Prime + 6.99%, rate cap 21%.
Credit card score 63 · Carrot Score 76
Rate checked · Credit cards rates on its site
More details - 14.00%APRas low as · up to 22.00%
14.00% APR, up to 22.00%
Terms
Variable Purchase APR based on creditworthiness. Formula: 7.00% to 15.00% + Prime Rate. Prime Rate of 7.00% as of October 28, 2026.
Credit card score 63
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 · 27 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 - 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 - 16.08%APRas low as
Terms
Fixed APR for purchases, balance transfers, and cash advances. Grace period: at least 25 days after the close of each billing cycle; no interest charged on purchases if entire balance is paid by due date. Average daily balance method.
Credit card score 61
Rate checked · Credit cards rates on its site
More details - 17.17%APRas low as
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 60 · 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 27.49%
18.49% APR, up to 27.49%
Terms
Variable purchase APR based on your creditworthiness.
Credit card score 60 · Carrot Score 66
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 Kansas
14 banks and credit unions · checked Oct 22–30
- Typical
- 15.24%
- Top 10% up to
- 11.22%
- Banks, typical
- 15.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Kansas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Communication Federal Credit UnionCredit union · 1 branch
- Campus Credit UnionCredit union · 1 branch
- Nova Credit UnionCredit union · 1 branch