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 46–60 of 73 in Dallas, TX metro · median 11.95% APR
- 13.49%APRas low as
Terms
No annual fee, no balance transfer fee, no cash advance fee. Variable APR based on the Wall Street Prime Rate plus an applicable margin.
Credit card score 66 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as
Terms
Fixed rate; rate may change at any time. Rate you qualify to receive may vary depending on individual credit history and underwriting factors. No cash advance fee, no over-the-limit fee.
Credit card score 65 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - Delta Community Credit UnionVisa Platinum Rewards Credit Card · No annual fee
Credit union · 1 branch
13.50%APRas low as · up to 17.50%13.50% APR, up to 17.50%
Terms
Variable Rate. Availability of rates based on creditworthiness and other factors. Credit line up to $50,000.
Credit card score 65 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as
Terms
25-day grace period. Daily periodic rate of 0.036986% corresponds to 13.5% APR.
Credit card score 65 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 22.50%
13.50% APR, up to 22.50%
Terms
Thereafter, variable APR ranges from 13.50% to 22.50% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026.
Credit card score 65 · Carrot Score 63
Rate checked · Credit cards rates on its site
Rates and branches - 13.65%APRas low as · up to 18.24%
13.65% APR, up to 18.24%
Terms
Variable APR based on Prime Rate and overall creditworthiness. No annual fee, balance transfer fee, or cash advance fee.
Credit card score 65 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 22.74%
13.74% APR, up to 22.74%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 65 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 13.74%APRas low as · up to 21.74%
13.74% APR, up to 21.74%
Terms
Variable regular APR for purchases based on creditworthiness and prime rate (up to 24.99%).
Credit card score 65 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 13.90%APRas low as · up to 18.00%
13.90% APR, up to 18.00%
Terms
Variable ongoing APR based on the highest Prime Rate in WSJ Money Rates; maximum APR is 18.00%.
Credit card score 64 · Carrot Score 69
Rate checked · Credit cards rates on its site
Rates and branches - 13.90%APRas low as · up to 17.90%
13.90% APR, up to 17.90%
Terms
Standard APR is 13.90% to 17.90% APR. No annual fee.
Credit card score 64 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Ongoing variable APR of Prime + 6.99% (rate cap 21%) including cash advances and balance transfers. Variable with the market based on the Prime Rate.
Credit card score 63 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as · up to 17.99%
13.99% APR, up to 17.99%
Terms
Rates based on creditworthiness. No balance transfer fees.
Credit card score 63 · Carrot Score 93
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 - 14.00%APRas low as · up to 22.00%
14.00% APR, up to 22.00%
Terms
Variable Purchase APR based on creditworthiness. Variable rate is 7.00% to 15.00% + Prime Rate. Prime Rate of 7.00% as of September 16, 2026.
Credit card score 63
Rate checked · Credit cards rates on its site
Rates and branches - 14.25%APRas low as · up to 17.90%
14.25% APR, up to 17.90%
Terms
Variable APR based on Prime Rate. Rates determined by creditworthiness and other factors. 25-day grace period on purchases before interest is charged. No balance transfer fee.
Credit card score 63 · 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 Dallas, TX metro
73 banks and credit unions · checked Oct 16–22
- Typical
- 11.95%
- Top 10% up to
- 9.90%
- Banks, typical
- 14.24%
- Credit unions, typical
- 10.95%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Dallas, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Prestige Community CUCredit union · 2 branches
- Nizari Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 2 branches