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 16–30 of 30 in Texas · median 14.00% APR
- 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 · 20 branches
14.74%APRas low asTerms
After the first 12 months, 14.74% variable APR based on prime rate.
Credit card score 63 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 14.92%APRas low as
Terms
Grace period of at least 25 days on purchases when paying the entire balance by the due date each month. No annual fee. Late payment fee: 5% of payment due or maximum $10.
Credit card score 62
Rate checked · Credit cards rates on its site
More details - First Bank TexasTarjeta de recompensas con devolución de efectivo · $35 annual fee
Bank · 16 branches
15.00%APRas low asTerms
Tasa de porcentaje anual (APR) calculada en función de la tasa preferencial de Wall Street: tasa preferencial + 8 %
Credit card score 62
Rate checked · Credit cards rates on its site
More details - 16.49%APRas low as
Terms
Purchase APR as low as 16.49% variable based on creditworthiness. APR varies with the market based on the Prime Rate. No annual fee.
Credit card score 61 · Carrot Score 72
Rate checked · Credit cards rates on its site
More details - 16.74%APRas low as
Terms
Purchase APR is variable (Prime Rate of 6.75% + 9.74% margin, max 22.99%).
Credit card score 61 · Carrot Score 89
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
After the introductory period, APR varies with the market based on Prime Rate; margin is 9.75% to 14.75% based on creditworthiness.
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 11/05/2026.
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 - 17.99%APRas low as
Terms
Standard $35 annual fee applies with the exception of the Preferred Points Card which is $45.
Credit card 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 - 18.74%APRas low as · up to 27.74%
18.74% APR, up to 27.74%
Terms
Variable purchase APR based on your creditworthiness.
Credit card score 60 · Carrot Score 82
Rate checked · Credit cards rates on its site
More details - 18.74%APRas low as · up to 29.74%
18.74% APR, up to 29.74%
Terms
Variable APR of 18.74% to 29.74% on Purchases and Balance Transfers after the introductory period based on the Prime Rate. Accurate as of 10/6/2026.
Credit card score 60
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 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