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 16 in Pensacola, FL metro · median 10.70% APR
- 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 - Eglin Federal Credit UnionEglin Platinum Rewards Mastercard · No annual fee
Credit union · 2 branches
8.90%APRas low as · up to 15.90%8.90% APR, up to 15.90%
Terms
Rate applies to purchases, balance transfers, and cash advances based on creditworthiness. No annual fee, balance transfer fee, cash advance fee, or international transaction fee.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.40%APRas low as · up to 17.99%
9.40% APR, up to 17.99%
Terms
Rates and payment options based on creditworthiness, term, and other factors. No annual, over-the-limit, cash advance, or balance transfer fees. Effective as of October 1, 2026.
Credit card score 88 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Rates as low as 9.90% APR for purchases based on individual creditworthiness. No balance transfer fees, no cash advance fees, no domestic transaction fees, and no transaction fee for purchases. Minimum finance charge is $0.50. Method of computing balance is Average Daily Balance (including new purchases). Over credit limit fee is $10. Includes ScoreCard Rewards.
Credit card score 84 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Revolving terms. Non-variable rate. Quoted rate is the lowest available rate and reflects all possible discounts; rate is based on credit history and borrower eligibility. Offer good with approved credit for loans new to All In CU. Purchases after 365 days at regular rate.
Credit card score 82 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as · up to 18.00%
9.99% APR, up to 18.00%
Terms
Variable APR based on creditworthiness.
Credit card score 82 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 10.24%APRas low as · up to 18.00%
10.24% APR, up to 18.00%
Terms
Variable APR based on creditworthiness; tied to the U.S. Prime Rate.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.49%APRas low as
Terms
Variable APR as low as 10.49%. No annual fee or balance transfer fee. Subject to credit approval.
Credit card score 81 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as
Terms
Fixed rate. Same rate for purchases, cash advances, and balance transfers. 25-day grace period on purchases when entire new balance on previous cycle's billing statement is paid by payment due date.
Credit card score 79 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - Members First CU of FloridaVisa Rewards Card (With Annual Fee) · $12 annual fee
Credit union · 7 branches
10.90%APRas low asTerms
Fixed APR for Purchases, Cash Advance, and Balance Transfer. 25-day grace period for repayment of purchase balance.
Credit card score 77 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.75%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
$25 annual fee waived with a United Bank deposit account. 25-day grace period. Applies to purchases, cash advances and balance transfers. Subject to credit approval.
Credit card score 71 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 12.90%APRas low as
Credit card score 67 · Carrot Score 70
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 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
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 Pensacola, FL metro
16 banks and credit unions · checked Oct 15–22
- Typical
- 10.70%
- Top 10% up to
- 9.15%
- Banks, typical
- 17.74%
- Credit unions, typical
- 9.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Pensacola, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United BankBank · 3 branches
- Champions First Credit UnionCredit union · 1 branch
- Eglin Federal Credit UnionCredit union · 2 branches