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 91–105 of 167 in Texas · median 10.65% APR
- 10.90%APRas low as
Terms
25-day grace period. Rate based on creditworthiness and term of loan.
Credit card score 79 · Carrot Score 78
Rate checked · Credit cards rates on its site
More details - 10.90%APRas low as
Terms
With approved Credit. APR=Annual Percentage Rate. Rates and terms subject to change. Revolving term. Great Low Rates. No Annual Fee. No Balance Transfer Fee. Same Rate for Purchases and Cash Advances.
Credit card score 79 · Carrot Score 82
Rate checked · Credit cards rates on its site
More details - 10.90%APRas low as · up to 17.90%
10.90% APR, up to 17.90%
Terms
Rates between 10.9% - 17.9% APR based on creditworthiness. Same low rate for purchases, cash advances, and balance transfers. No annual, cash advance, or balance transfer fees.
Credit card score 79 · Carrot Score 86
Rate checked · Credit cards rates on its site
More details - 10.90%APRas low as
Terms
Fixed APR. Rates quoted are based on approved credit.
Credit card score 79 · Carrot Score 85
Rate checked · Credit cards rates on its site
More details - 10.90%APRas low as
Credit card score 79 · Carrot Score 80
Rate checked · Credit cards rates on its site
More details - 10.90%APRas low as
Credit card score 79 · Carrot Score 77
Rate checked · Credit cards rates on its site
More details - 10.90%APRas low as
Terms
Standard APR as low as 10.90% APR. No annual fee.
Credit card score 79 · Carrot Score 78
Rate checked · Credit cards rates on its site
More details - 10.90%APRas low as
Terms
Rate is subject to change without notice. Depending on your credit worthiness; not all members will qualify.
Credit card score 79 · Carrot Score 70
Rate checked · Credit cards rates on its site
More details - 10.95%APRas low as
Terms
Go-to rate after 12 months on new cards issued starting March 1, 2023. Same rate applies to purchases and cash advances.
Credit card score 79 · Carrot Score 76
Rate checked · Credit cards rates on its site
More details - 10.95%APRas low as
Terms
APR as low as 10.95%
Credit card score 79 · Carrot Score 79
Rate checked · Credit cards rates on its site
More details - 10.99%APRas low as
Terms
Fixed rates as low as 10.99% APR. Standard card rate. No annual fee, no balance transfer fee. Revolving term. Minimum payment is the greater of 3% of balance or $30.00.
Credit card score 78 · Carrot Score 87
Rate checked · Credit cards rates on its site
More details - 10.99%APRas low as
Terms
Variable APR as low as 10.99% based on creditworthiness. Same rate on purchases, cash advances, and balance transfers. No annual or cash advance fees.
Credit card score 78 · Carrot Score 92
Rate checked · Credit cards rates on its site
More details - 10.99%APRas low as · up to 17.75%
10.99% APR, up to 17.75%
Terms
Standard Rate Purchases. Stated Annual Percentage Rates are with approved credit, effective as of October 1st, 2026, which are subject to change without notice. 25-day grace period on all Visa accounts. Variable rate on purchases and cash advances. No annual fee. Minimum monthly payment equal to 3% of balance or $18, whichever is greater.
Credit card score 78 · Carrot Score 82
Rate checked · Credit cards rates on its site
More details - 11.00%APRas low as · up to 18.00%
11.00% APR, up to 18.00%
Terms
Rate may change after the account is opened. 25-day grace period. Membership required.
Credit card score 77 · Carrot Score 82
Rate checked · Credit cards rates on its site
More details - 11.00%APRas low as
Terms
Credit line up to $5,000. 25-day grace period on purchases. Revolving terms.
Credit card score 77 · Carrot Score 81
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