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 106–120 of 167 in Texas · median 10.65% APR
- 11.20%APRas low as · up to 17.99%with conditions
11.20% APR, up to 17.99%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Minimum payment: 3% of balance or $18, whichever is greater. Stated rates as low as apply to well-qualified applicants in combination with relationship discounts.
Credit card score 77 · Carrot Score 81
Rate checked · Credit cards rates on its site
More details - 11.20%APRas low as · up to 18.00%
11.20% APR, up to 18.00%
Terms
Regular variable APR dependent upon credit rating and other factors; varies with market based on prime rate.
Credit card score 77 · Carrot Score 92
Rate checked · Credit cards rates on its site
More details - First Central Credit UnionVISA Credit Card - Premium/Lifestyle · No annual fee
Credit union · 5 branches
11.24%APRas low as · up to 18.00%11.24% APR, up to 18.00%
Terms
After that, your APR is based on your creditworthiness and will be one of the following. Variable rate based on Prime Rate.
Credit card score 77 · Carrot Score 86
Rate checked · Credit cards rates on its site
More details - Security Service Federal Credit UnionSecurity Service Power MasterCard · No annual fee
Credit union · 40 branches
11.24%APRas low as · up to 18.00%11.24% APR, up to 18.00%
Terms
Purchase rate will vary based upon market prime rate. Rate is variable and based on creditworthiness. Maximum APR will not exceed 18%.
Credit card score 77 · Carrot Score 66
Rate checked · Credit cards rates on its site
More details - 11.25%APRas low as
Terms
Starting APR as low as 11.25% for well qualified applicants based on credit history and underwriting factors.
Credit card score 77 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 11.50%APRas low as · up to 17.80%
11.50% APR, up to 17.80%
Credit card score 76 · Carrot Score 70
Rate checked · Credit cards rates on its site
More details - 11.50%APRas low as
Credit card score 76 · Carrot Score 76
Rate checked · Credit cards rates on its site
More details - 11.65%APRas low as
Terms
Beacon Score 740+. 25 day Grace period
Credit card score 76 · Carrot Score 84
Rate checked · Credit cards rates on its site
More details - 11.65%APRas low as · up to 22.65%
11.65% APR, up to 22.65%
Terms
Standard variable APR for purchases, balance transfers, and cash advances. Cash advance fee / balance transfer fee: 3% of advance amount ($10 minimum) in CA and ID; 2% of advance amount ($2 minimum) in TX. No annual fee or foreign transaction fee.
Credit card score 76 · Carrot Score 78
Rate checked · Credit cards rates on its site
More details - 11.75%APRas low as
Terms
11.75% APR as low as; subject to approval. Rates and terms may vary based on creditworthiness.
Credit card score 75 · Carrot Score 77
Rate checked · Credit cards rates on its site
More details - 11.90%APRas low as
Terms
25-day grace period on purchases if balance paid in full by due date.
Credit card score 74 · Carrot Score 64
Rate checked · Credit cards rates on its site
More details - 11.95%APRas low as
Terms
Variable - Prime plus 4.95% - 18.00%. 3% minimum payment due each month. Annual Percentage Rate based on credit score.
Credit card score 73 · Carrot Score 92
Rate checked · Credit cards rates on its site
More details - 11.99%APRas low as · up to 23.99%
11.99% APR, up to 23.99%
Terms
Credit Card APR may vary and is determined by adding margin (Low Rate margin is 4.99% to 16.99%) to the U.S. prime rate published in the Money Rates section of the Wall Street Journal on the first business day of the month.
Credit card score 72 · Carrot Score 93
Rate checked · Credit cards rates on its site
More details - 11.99%APRas low as
Terms
Rate is based on qualifications including credit history.
Credit card score 72 · Carrot Score 81
Rate checked · Credit cards rates on its site
More details - 12.00%APRas low as · up to 18.00%
12.00% APR, up to 18.00%
Terms
Subject to credit approval; credit criteria and restrictions apply.
Credit card score 72 · Carrot Score 85
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