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 167 in Texas · median 10.65% APR
- 5.90%APRas low as
Terms
Interest rates starting as low as 5.9% APR. All cards have no annual fee, 25-day grace period on purchases. Relationship Discount reduces rate by .15%.
Credit card score 99 · Carrot Score 99
Rate checked · Credit cards rates on its site
More details - 5.90%APRas low as · up to 18.00%
5.90% APR, up to 18.00%
Terms
Rate based on creditworthiness and term of loan.
Credit card score 99 · Carrot Score 99
Rate checked · Credit cards rates on its site
More details - 6.00%APRas low as
Credit card score 99 · Carrot Score 97
Rate checked · Credit cards rates on its site
More details - 6.49%APRas low as · up to 11.90%
6.49% APR, up to 11.90%
Terms
APR varies from 6.49% to 11.90% (or up to 11.99% as noted in general loan disclosures). Minimum credit line of $500.00. Annual fee is none.
Credit card score 99 · Carrot Score 79
Rate checked · Credit cards rates on its site
More details - 6.90%APRas low as
Credit card score 97 · Carrot Score 95
Rate checked · Credit cards rates on its site
More details - 6.90%APRas low as · up to 18.00%
6.90% APR, up to 18.00%
Terms
Rates determined by credit history/creditworthiness. No annual fee.
Credit card score 97 · Carrot Score 94
Rate checked · Credit cards rates on its site
More details - 6.99%APRas low as
Terms
Fixed rates as low as 6.99% APR.
Credit card score 96 · Carrot Score 95
Rate checked · Credit cards rates on its site
More details - Gulf Coast Educators Federal Credit UnionTexas Educators Rewards Credit Card · No annual fee
Credit union · 9 branches
7.24%APRas low as · up to 17.24%7.24% APR, up to 17.24%
Terms
Base APR is 10.24% (or 8.74% on rates page). Standard purchase variable APR ranges from 6.99% to 16.99% based on creditworthiness and varies with the market based on the Prime Rate.
Credit card score 95 · Carrot Score 95
Rate checked · Credit cards rates on its site
More details - 7.25%APRas low as
Terms
Non-variable interest rate. Rate based on creditworthiness and term of loan. 25-day grace period.
Credit card score 95 · Carrot Score 95
Rate checked · Credit cards rates on its site
More details - 7.90%APRas low as
Terms
Fixed APR if share secured. Same low rate for purchases, cash advances and balance transfers.
Credit card score 94 · Carrot Score 91
Rate checked · Credit cards rates on its site
More details - 7.90%APRas low as
Terms
Without rewards. Rate is based on individual credit score. Available for loan amounts of $15,000 or less.
Credit card score 94 · Carrot Score 93
Rate checked · Credit cards rates on its site
More details - 7.90%APRas low as · up to 15.90%
7.90% APR, up to 15.90%
Terms
Credit cards are subject to credit approval. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score and other normal lending criteria. Rates subject to change without notice. $0 balance transfer fee.
Credit card score 94 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 7.95%APRas low as · up to 17.95%
7.95% APR, up to 17.95%
Terms
Non-Variable APR. 10-day grace period (also listed as 25-day grace period for all purchases). No cash advance or balance transfer fees.
Credit card score 94 · Carrot Score 94
Rate checked · Credit cards rates on its site
More details - 7.99%APRas low as
Credit card score 93 · Carrot Score 91
Rate checked · Credit cards rates on its site
More details - 8.00%APRas low as
Terms
Credit score 730 or higher
Credit card score 93
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
167 banks and credit unions · checked Nov 6–7
- Typical
- 10.65%
- Top 10% up to
- 8.74%
- Credit unions, typical
- 10.65%
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