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 1–10 of 10 in Tennessee · median 15.88% APR
- 10.90%APRas low as
Terms
Variable APR based on Prime Rate + 3.9%. Applies to purchases, balance transfers, and cash advances.
Credit card score 79
Rate checked · Credit cards rates on its site
More details - 11.99%APRas low as
Terms
Low fixed rate.
Credit card score 72 · Carrot Score 72
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 - 14.00%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 - 15.00%APRas low as
Terms
APR Wall Street Prime Rate +8.00%. $35 annual fee (Waived for first year).
Credit card score 62
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 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 - 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 - 18.75%APRas low as · up to 22.75%
18.75% APR, up to 22.75%
Terms
Variable APR based on creditworthiness.
Credit card score 60 · Carrot Score 64
Rate checked · Credit cards rates on its site
More details - 26.74%APRas low as
Terms
Standard APR for Purchases varies with the market based on WSJ Prime Rate + margin of 19.74%.
Credit card 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 Tennessee
10 banks and credit unions · checked Oct 15–30
- Typical
- 15.88%
- Top 10% up to
- 11.88%
- Banks, typical
- 15.88%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Tennessee
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 24 branches
- LGWFCUCredit union · 1 branch
- Bowater Credit UnionCredit union · 5 branches