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 94 in Florida · median 11.12% APR
- 6.90%APRas low as · up to 17.90%
6.90% APR, up to 17.90%
Terms
Fixed interest rate determined by credit score (periodic rate of 0.575% to 1.492% per month). No cash advance fee or balance transfer fee.
Credit card score 97 · Carrot Score 97
Rate checked · Credit cards rates on its site
More details - Innovations Financial Credit UnionPlatinum VISA® Credit Card · No annual fee
Credit union · 9 branches
7.50%APRas low as · up to 16.75%7.50% APR, up to 16.75%
Terms
Rate is based on creditworthiness.
Credit card score 95 · Carrot Score 99
Rate checked · Credit cards rates on its site
More details - 7.90%APRas low as · up to 18.00%
7.90% APR, up to 18.00%
Terms
APR ranges from 7.90% to 18.00% based on credit score. Subject to credit approval. No annual fee.
Credit card score 94 · Carrot Score 91
Rate checked · Credit cards rates on its site
More details - Hialeah Municipal Employees Federal Credit UnionVisa Credit Cards · No annual fee
Credit union · 1 branch
7.99%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
No annual fee. No balance transfer fees. Fixed rate. Rates based on creditworthiness and reflect maximum discounts available. 25-day interest-free grace period on purchases.
Credit card score 93 · Carrot Score 84
Rate checked · Credit cards rates on its site
More details - 8.64%APRas low as
Terms
Fixed-Rate; No annual fee, balance transfer fee, or cash advance fee
Credit card score 89 · Carrot Score 94
Rate checked · Credit cards rates on its site
More details - 8.75%APRas low as
Terms
Purchases, balance transfers, and cash advances are subject to the fixed APR. 25-day grace period on purchase balance and new purchases.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as · up to 12.90%
8.90% APR, up to 12.90%
Terms
Purchase rate. 25-day grace period for new purchases.
Credit card score 89 · Carrot Score 85
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as · up to 16.90%
8.90% APR, up to 16.90%
Terms
Standard APR on unpaid balance based on creditworthiness. 8.90% APR listed as lowest rate as of October 1, 2026. No annual fee, no cash advance or domestic transaction fees. No interest charged on purchases if paid within 25 days of statement date. 1% foreign transaction fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as
Terms
APR as low as 8.90%. No annual fees. No balance transfer fees.
Credit card score 89 · Carrot Score 93
Rate checked · Credit cards rates on its site
More details - 8.99%APRas low as · up to 16.99%
8.99% APR, up to 16.99%
Terms
Fixed APR determined when account is opened, based on creditworthiness and underwriting guidelines.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 8.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Credit limits from $5,000 to $20,000 are available. Direct Deposit required and must have a credit score of 680 or above to qualify. Fixed annual percentage rate.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 8.99%APRas low as
Terms
Rate is non-variable. Financing up to $12,000. Rates subject to change, based on creditworthiness; certain restrictions may apply.
Credit card score 88 · Carrot Score 82
Rate checked · Credit cards rates on its site
More details - Tampa Postal Federal Credit UnionTampa Postal FCU Platinum MasterCard · No annual fee
Credit union · 4 branches
8.99%APRas low asTerms
Rates are fixed. Rate received subject to creditworthiness and history. 25-day grace period.
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 8.99%APRas low as
Terms
Available to qualified borrowers. Other restrictions may apply. Rates do not apply to refinance existing TMH FCU loans. Membership is subject to eligibility.
Credit card score 88 · Carrot Score 93
Rate checked · Credit cards rates on its site
More details - 9.00%APRas low as
Terms
Fixed APR applies equally to purchases, balance transfers, and cash advances. No balance transfer fee, no cash advance fee, and no penalty APR. Minimum credit limit is $1,000.00; maximum credit limit is $15,000.00.
Credit card score 88 · Carrot Score 91
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
94 banks and credit unions · checked Oct 23–30
- Typical
- 11.12%
- Top 10% up to
- 8.99%
- Credit unions, typical
- 11.12%
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