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 121–135 of 167 in Texas · median 10.65% APR
- 12.00%APRas low as
Terms
Rates as low as 12.00% APR.
Credit card score 72 · Carrot Score 87
Rate checked · Credit cards rates on its site
More details - 12.00%APRas low as
Terms
12% APR regardless of credit score. Non-variable rate. No annual fee.
Credit card score 72 · Carrot Score 64
Rate checked · Credit cards rates on its site
More details - 12.00%APRas low as
Terms
25 days grace period for purchases. Average Daily Balance (Including new purchases).
Credit card score 72 · Carrot Score 83
Rate checked · Credit cards rates on its site
More details - 12.24%APRas low as
Terms
Variable APR as low as 12.24% for purchases. Qualification and rate is based on an assessment of individual creditworthiness and underwriting standards.
Credit card score 71 · Carrot Score 70
Rate checked · Credit cards rates on its site
More details - 12.40%APRas low as · up to 17.90%
12.40% APR, up to 17.90%
Terms
Purchases APR. Based on creditworthiness; variable with prime rate. Balance transfer fee: None.
Credit card score 71 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - Houston Texas Fire Fighters Federal Credit UnionVISA Rewards · No annual fee
Credit union · 3 branches
12.40%APRas low as · up to 17.40%12.40% APR, up to 17.40%
Terms
Variable APR between 12.40% and 17.40% applies upon first billing cycle after 6 months on all balances not paid by statement due date depending upon individual credit criteria.
Credit card score 71 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - TexHillCo School Employees Federal Credit UnionMastercard Platinum Credit Card · No annual fee
Credit union · 1 branch
12.49%APRas low asTerms
Rate advertised as 'As Low As' effective November 6, 2026. Terms subject to agreement.
Credit card score 71 · Carrot Score 85
Rate checked · Credit cards rates on its site
More details - 12.50%APRas low as
Terms
All loans are subject to credit approval. Actual rates are based on individual credit worthiness.
Credit card score 70 · Carrot Score 80
Rate checked · Credit cards rates on its site
More details - 12.50%APRas low as
Terms
Standard variable APR based on prime rate and credit history.
Credit card score 70 · Carrot Score 93
Rate checked · Credit cards rates on its site
More details - 12.50%APRas low as · up to 17.50%
12.50% APR, up to 17.50%
Terms
Non-variable rate based on creditworthiness. Features no annual fees, no balance transfer fees, no cash advance fees, and no penalty rates.
Credit card score 70 · Carrot Score 93
Rate checked · Credit cards rates on its site
More details - 12.50%APRas low as · up to 18.00%
12.50% APR, up to 18.00%
Credit card score 70 · Carrot Score 77
Rate checked · Credit cards rates on its site
More details - 12.50%APRas low as
Terms
Call credit union for most current rates. Subject to change with or without notice. 'As low as' advertised rates are based on credit score, term, and any discount applied. Actual rates & terms received are based on overall creditworthiness and subject to approval.
Credit card score 70 · Carrot Score 86
Rate checked · Credit cards rates on its site
More details - 12.65%APRas low as
Terms
Non-Rewards Tier 1 regular purchase APR
Credit card score 70 · Carrot Score 95
Rate checked · Credit cards rates on its site
More details - 12.65%APRas low as · up to 17.90%
12.65% APR, up to 17.90%
Terms
Purchase APR based on creditworthiness; variable with Prime Rate up to 18.00% max.
Credit card score 70 · Carrot Score 70
Rate checked · Credit cards rates on its site
More details - 12.74%APRas low as · up to 17.99%with conditions
12.74% APR, up to 17.99%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Variable rates as low as 12.74% APR (up to 17.99% APR). Stated APR assumes qualification for maximum available rate discount.
Credit card score 69 · Carrot Score 67
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