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 61–73 of 73 in Dallas, TX metro · median 11.95% APR
- 14.25%APRas low as · up to 17.90%
14.25% APR, up to 17.90%
Terms
Rate for purchases. Rates based on applicant creditworthiness. Zero balance transfer fee.
Credit card score 63 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - UMB BankUMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card · No annual fee
Bank · 3 branches
14.49%APRas low asTerms
After the first 12 months, 14.49% variable APR based on prime rate.
Credit card score 63 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 14.92%APRas low as
Terms
Grace period of at least 25 days on purchases when paying the entire balance by the due date. No annual fee. Late payment fee: 5% of payment due or maximum $10. Includes platinum travel and concierge benefits.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Tasa de porcentaje anual (APR) calculada en función de la tasa preferencial de Wall Street: tasa preferencial + 8 %
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 15.49%APRas low as · up to 22.49%
15.49% APR, up to 22.49%
Terms
Purchase APR is 15.49%, 18.49% or 22.49% based on creditworthiness. Variable APR calculated by adding a margin of 8.49% to 15.49% to the Prime Rate (maximum 24.00%).
Credit card score 62 · Carrot Score 61
Rate checked · Credit cards rates on its site
Rates and branches - 16.74%APRas low as
Terms
Purchase APR is variable (Prime Rate of 6.75% + 9.74% margin, max 22.99%).
Credit card score 61 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 16.90%APRas low as
Terms
Featured rate as low as stated. Rates Subject to Change.
Credit card score 61 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as · up to 27.74%
17.74% APR, up to 27.74%
Terms
Variable APR based on creditworthiness and Prime Rate index beginning in the 13th billing cycle. Effective as of 10/22/2026.
Credit card 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 - PenFed Credit UnionPenFed Power Cash Rewards Visa Signature Card · No annual fee
Credit union · 2 branches
17.99%APRas low asTerms
Purchase variable APR based on creditworthiness.
Credit card score 60 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 18.49%APRas low as · up to 27.49%
18.49% APR, up to 27.49%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 60 · Carrot Score 66
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 - 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 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