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 94 in Florida · median 11.12% APR
- 9.20%APRas low as
Terms
Low APR on all purchases, balance transfers, and cash advances. Subject to individual credit worthiness. Rates (APR) as low as 9.20%.
Credit card score 88 · Carrot Score 86
Rate checked · Credit cards rates on its site
More details - 9.40%APRas low as · up to 17.99%
9.40% APR, up to 17.99%
Terms
Rates and payment options based on creditworthiness, term, and other factors. No annual, over-the-limit, cash advance, or balance transfer fees. Effective as of October 19, 2026.
Credit card score 88 · Carrot Score 94
Rate checked · Credit cards rates on its site
More details - 9.49%APRas low as
Terms
Rates as low as 9.49% APR based on the term and individual's creditworthiness. Subject to credit approval. No annual fee. Interest-free grace period on purchases.
Credit card score 88 · Carrot Score 90
Rate checked · Credit cards rates on its site
More details - Floridacentral Credit UnionFloridacentral Classic Credit Card · No annual fee
Credit union · 13 branches
9.49%APRas low asTerms
Tier A+ (740+). Interest rates adjust quarterly by adding the appropriate margin to the Wall Street Journal Index.
Credit card score 88 · Carrot Score 82
Rate checked · Credit cards rates on its site
More details - 9.49%APRas low as
Terms
Rate is fixed; APR for balance transfers and cash advances remains at the same APR as purchases. Subject to credit approval.
Credit card score 88 · Carrot Score 90
Rate checked · Credit cards rates on its site
More details - 9.50%APRas low as
Terms
Option with no rewards. Same Great Rate on Purchases & Cash Advances.
Credit card score 88 · Carrot Score 90
Rate checked · Credit cards rates on its site
More details - 9.50%APRas low as
Terms
Rates vary by individual credit history and term of loan. All rates discounts and/or promotional offers combined may not go below the current floor rate of 4.00% APR for consumer loans.
Credit card score 88 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 9.50%APRas low as
Terms
Variable APR equals 2.50% + Prime (tied to The Wall Street Journal Prime Rate). Credit line starts at $10,000. Cash Back is automatically deposited into a High Yield Savings account that earns 5%.
Credit card score 88 · Carrot Score 94
Rate checked · Credit cards rates on its site
More details - 9.50%APRas low as · up to 18.00%
9.50% APR, up to 18.00%
Terms
Rate based on credit history / creditworthiness at account opening. The same qualifying rate applies to all classes of transactions (purchases, balance transfers, and cash advances). No annual fee, no cash-advance fee, no balance transfer fee.
Credit card score 88 · Carrot Score 85
Rate checked · Credit cards rates on its site
More details - 9.74%APRas low as · up to 17.99%
9.74% APR, up to 17.99%
Terms
25 days grace period for repayment of balances or purchases. Average Daily Balance (including new purchases). Minimum finance charge $.50. None transaction fee for purchases.
Credit card score 87 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 9.75%APRas low as · up to 17.75%
9.75% APR, up to 17.75%
Terms
Variable purchase APR based on evaluation of credit history; lowest featured rate based on credit score of 760. $0 balance transfer fee and no teaser rates.
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 9.75%APRas low as · up to 18.00%
9.75% APR, up to 18.00%
Terms
Rates based on credit score. Fixed APR.
Credit card score 87 · Carrot Score 92
Rate checked · Credit cards rates on its site
More details - 9.90%APRas low as
Terms
Variable rate. Rates starting at 9.90% APR (as low as). Based on creditworthiness.
Credit card score 84 · Carrot Score 93
Rate checked · Credit cards rates on its site
More details - 9.90%APRas low as
Terms
Rate is as low as, fixed, and determined by creditworthiness and loan term.
Credit card score 84 · Carrot Score 71
Rate checked · Credit cards rates on its site
More details - 9.90%APRas low as
Terms
Fixed rate thereafter for purchases, cash advances, and balance transfers.
Credit card score 84 · Carrot Score 70
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