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 16–25 of 25 in Birmingham, AL metro · median 11.95% APR
- 12.65%APRas low as
Credit card score 69 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Terms
Rate as low as 12.9% APR based on soundness of credit. Rate applies to purchases, cash advances and balance transfers. No annual fee. No balance transfer fee. Minimum payment 5% of balance, $25 minimum. Minimum finance charge $0.50. Late payment fee $20. Over-the Credit-Limit Fee $20.
Credit card score 67 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as · up to 21.00%
13.00% APR, up to 21.00%
Terms
Variable rate is prime rate plus 6.00% APR, based on creditworthiness.
Credit card score 66 · Carrot Score 79
Rate checked · Credit cards rates on its site
Rates and branches - 13.25%APRas low as · up to 18.00%
13.25% APR, up to 18.00%
Terms
Credit Limits of Up to $10,000.
Credit card score 66 · Carrot Score 73
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 23.74%
13.74% APR, up to 23.74%
Terms
Variable APR determined by adding a margin of 6.74% to 16.74% to Prime Rate based on creditworthiness. Prime Rate reference is 8.50%.
Credit card score 65
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Variable APR for Purchases determined monthly by adding 6.99% margin to Prime Rate (7.00% as of September 17, 2026). Introductory $0 annual fee for the first year, after that $450 (waived for eligible Wealth clients).
Credit card score 61 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as · up to 28.49%
17.74% APR, up to 28.49%
Terms
17.74%, 24.24% or 28.49% variable APR thereafter.
Credit card score 60 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 18.49%APRas low as · up to 27.99%
18.49% APR, up to 27.99%
Terms
Variable APR
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 19.95%APRas low as
Terms
Fixed monthly rate. No monthly or annual fees.
Credit card score 60 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 26.74%APRas low as
Terms
Standard APR for Purchases varies with the market based on WSJ Prime Rate + margin of 19.74%.
Credit card score 60
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