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 22 in Des Moines, IA metro · median 11.90% APR
- 7.90%APRas low as · up to 13.90%
7.90% APR, up to 13.90%
Terms
Non-Variable Rate dependent on your creditworthiness. Applies to purchases, balance transfers and cash advances.
Credit card score 93 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Cardholder must maintain an active checking account (8 or more transactions for 30 days) and one of the following: a member for at least five years, a mortgage loan, a home equity loan or an auto loan.
Credit card score 93 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 8.90%APRas low as · up to 14.90%
8.90% APR, up to 14.90%
Terms
Rate based on creditworthiness. No balance transfer fee.
Credit card score 89 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Low, fixed APR for purchases, cash advances, and balance transfers. Minimum credit limit of $5,000. No annual fee.
Credit card score 84 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed rate as low as 9.90% APR with qualifying credit. Requires $5,000+ monthly household income to qualify. No annual fee.
Credit card score 84 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Rate applies to purchases, balance transfers, and cash advances. No balance transfer fees.
Credit card score 84 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Fixed annual percentage rate for purchases. 25-day grace period.
Credit card score 84 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
APR on all purchases. Minimum credit limit is $5,000.
Credit card score 82 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low as · up to 21.75%
11.75% APR, up to 21.75%
Terms
Variable purchase APR based on your creditworthiness.
Credit card score 74 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Fixed rate. No balance transfer fee. Qualified credit.
Credit card score 73 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 18.24%
11.90% APR, up to 18.24%
Terms
Annual Percentage Rate (APR) for Purchases: 11.65%, 12.65%, 13.65%, 16.65%, or 17.99% depending on your credit history. Variable based on the Prime Rate. $0 annual fee. (Note: Comparison table on page p75 mentions 13.40% – 17.99%).
Credit card score 73 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 23.90%
11.90% APR, up to 23.90%
Terms
Prime + 4.9% to Prime + 16.9%
Credit card score 73 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 19.99%
11.99% APR, up to 19.99%
Terms
Variable regular purchase APR of 11.99% to 19.99% based on creditworthiness, applied after the introductory period.
Credit card score 72 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as · up to 19.75%
12.75% APR, up to 19.75%
Terms
Standard ongoing variable APR based on creditworthiness and Prime Rate as published in The Wall Street Journal on the last business day of each calendar quarter, plus margin determined by credit score at application.
Credit card score 69 · Carrot Score 79
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 · 1 branch
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
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 Des Moines, IA metro
22 banks and credit unions · checked Oct 16–22
- Typical
- 11.90%
- Top 10% up to
- 9.00%
- Banks, typical
- 16.00%
- Credit unions, typical
- 9.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Des Moines, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 2 branches
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch