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 30 in Texas · median 14.00% APR
- 9.99%APRas low as
Terms
Purchase APR for purchases at Bass Pro Shops and Cabela's
Credit card score 82 · Carrot Score 92
Rate checked · Credit cards rates on its site
More details - 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
More details - 10.24%APRas low as · up to 18.24%
10.24% APR, up to 18.24%
Terms
Variable APR on purchases based on creditworthiness.
Credit card score 82
Rate checked · Credit cards rates on its site
More details - 10.92%APRas low as
Terms
Applies to customers with a credit score of 720 or greater. Monthly periodic rate is 0.91%. Stated APR covers 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
Ongoing variable APR of prime plus 6.99% thereafter.
Credit card score 72 · Carrot Score 64
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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 69
Rate checked · Credit cards rates on its site
More details - 12.74%APRas low as · up to 20.74%
12.74% APR, up to 20.74%
Terms
After that, the variable APR will be 12.74% to 20.74% APR based on creditworthiness.
Credit card score 69 · Carrot Score 67
Rate checked · Credit cards rates on its site
More details - 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
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 64
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
Ongoing variable APR of Prime + 6.99% (rate cap 21%) including cash advances and balance transfers. Variable with the market based on the Prime Rate.
Credit card score 64 · 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 64 · Carrot Score 68
Rate checked · Credit cards rates on its site
More details - 13.99%APRas low as
Terms
Ongoing APR varies with the market based on the Prime Rate (Prime + 6.99%). Stated APR is 13.74% based on Prime Rate of 6.75% as of December 24, 2025. Applies to purchases, balance transfers, and cash advances. Account will never have an APR over 21%. Balance transfer and cash advance fee: either $10 or 3% of the amount, whichever is greater.
Credit card score 64
Rate checked · Credit cards rates on its site
More details - 13.99%APRas low as
Terms
Variable APR determined monthly by adding 6.99% to the Prime Rate. $0 introductory annual fee for the first year, waived thereafter for qualifying Wealth Clients with an assigned Truist Wealth advisor.
Credit card score 61 · Carrot Score 61
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 Texas
30 banks and credit unions · checked Oct 22–Nov 7
- Typical
- 14.00%
- Top 10% up to
- 10.85%
- Banks, typical
- 14.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Texas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Rio Grande Valley Credit UnionCredit union · 5 branches
- Harris County Federal Credit UnionCredit union · 1 branch
- Scott and White Employees CUCredit union · 1 branch