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 25 in Birmingham, AL metro · median 11.95% APR
- 7.80%APRas low as
Terms
APR as low as 7.80%. Rate depends on underwriting and creditworthiness.
Credit card score 95 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 8.49%APRas low as · up to 16.99%
8.49% APR, up to 16.99%
Terms
APR for Purchases: 8.49% to 16.99% when you open your account, based on your creditworthiness. Credit line starting at $300. 1% cash back on all purchases, additional 1% cash back on gas and restaurants. 25-day grace period. Same rate for purchases and cash advances.
Credit card score 89 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 12.90%
8.90% APR, up to 12.90%
Terms
Purchase rate. 25-day grace period for new purchases.
Credit card score 89 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as
Terms
Fixed standard APR. No annual fee. No balance transfer fee.
Credit card score 89 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 17.99%
8.99% APR, up to 17.99%
Credit card score 88 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as · up to 13.00%
8.99% APR, up to 13.00%
Terms
Rate is based on creditworthiness. 25-day grace period to avoid interest on purchases.
Credit card score 88 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed APR of 9.90% applies to purchases, balance transfers, and cash advances (monthly periodic rate of 0.8250%). Interest-free grace period of at least 25 days on purchases and balance transfers if paid in full by due date; interest on cash advances begins on transaction date. Minimum payment is 3.00% of total new balance or $20.00, whichever is greater. No annual fee. No foreign transaction fee.
Credit card score 84 · Carrot Score 74
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Rate based on creditworthiness; revolving term.
Credit card score 84 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as · up to 13.50%
9.90% APR, up to 13.50%
Terms
Payment: 3% of balance
Credit card score 84 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - Coosa Pines Federal Credit UnionCoosa Pines VISA with UChoose Rewards · No annual fee
Credit union · 3 branches
9.95%APRas low asTerms
Tier based on creditworthiness. Fixed rate applies to purchases, balance transfers, and cash advances. No balance transfer or cash advance fees.
Credit card score 83 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
All rates shown are as low as. Actual interest rates may vary based on credit history. 25-day grace period on purchases with a zero prior month balance.
Credit card score 82 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Low APRs starting at 11.00%. Membership eligibility required; subject to credit approval. 25-day grace period. No annual fees.
Credit card score 77 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 11.95%APRas low as
Terms
APR for purchases, cash advances, and balance transfers.
Credit card score 73 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 12.40%APRas low as
Terms
Rates as low as 12.40% APR. Subject to credit approval; rates based on evaluation of credit history.
Credit card score 71 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.65%APRas low as · up to 21.75%
12.65% APR, up to 21.75%
Terms
Variable APR. Minimum credit limit $5,000.
Credit card score 69 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches
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 Birmingham, AL metro
25 banks and credit unions · checked Oct 22
- Typical
- 11.95%
- Top 10% up to
- 8.90%
- Banks, typical
- 17.74%
- Credit unions, typical
- 9.97%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Birmingham, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ASE Credit UnionCredit union · 1 branch
- AOD Federal Credit UnionCredit union · 1 branch
- AmFirstCredit union · 17 branches