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 16–30 of 31 in St. Louis, MO-IL metro · median 10.65% APR
- 10.65%APRas low as · up to 20.40%
10.65% APR, up to 20.40%
Terms
Rates schedule APR for Purchases: 10.65% (table) / 10.40% to 20.40% (caption), when you open your account, based on creditworthiness. Variable with market based on Prime Rate. $0 annual fee.
Credit card score 81 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 10.90%APRas low as · up to 19.90%
10.90% APR, up to 19.90%
Terms
Fixed APR based on creditworthiness. Rates apply equally to purchases, balance transfers, and cash advances.
Credit card score 79 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.49%APRas low as
Terms
Variable rate as low as 11.49% APR. No annual fees.
Credit card score 76 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as · up to 17.90%
11.90% APR, up to 17.90%
Terms
Standard ongoing rate after the 6th billing cycle depending on creditworthiness.
Credit card score 73 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 11.95%APRas low as
Terms
25 day grace period; rates shown are best available based on underwriting criteria.
Credit card score 73 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as · up to 23.99%
11.99% APR, up to 23.99%
Terms
Credit Card APR may vary and is determined by adding margin (4.99% to 16.99%) to the U.S. prime rate published in the Money Rates section of the Wall Street Journal on the first business day of the month.
Credit card score 72 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Rates as low as 11.74% APR. Best rate quoted; rate may vary based on credit qualifications. Variable rate based on Prime Rate. No annual fee, balance transfer fee, cash advance fee, or over limit fee.
Credit card score 72 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.74%APRas low as · up to 22.74%
12.74% APR, up to 22.74%
Terms
Competitive variable APR from 8.99% to 18.99% after the first 12 billing cycles, determined by adding a margin to the highest U.S. Prime Rate published in the Wall Street Journal (based on a 3.25% Prime Rate).
Credit card score 69 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - First Missouri Credit UnionFirst Missouri Credit Union Visa Platinum Cash Back Credit Card · No annual fee
Credit union · 2 branches
13.90%APRas low asTerms
Competitive, fixed annual percentage rate as low as 13.9%. 25-day, interest-free grace period on purchases. No annual, balance-transfer or cash-advance fees. Cash-back rewards on purchases. No international transaction fees.
Credit card score 64 · Carrot Score 72
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 - UMB BankUMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card · No annual fee
Bank · 13 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 - 15.99%APRas low as · up to 25.74%
15.99% APR, up to 25.74%
Terms
Variable APR after the introductory period.
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 17.99%APRas low as · up to 27.99%
17.99% APR, up to 27.99%
Terms
Variable APR of 17.99% - 27.99% on all purchases and balance transfers.
Credit card score 60 · Carrot Score 60
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
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 St. Louis, MO-IL metro
31 banks and credit unions · checked Oct 16–22
- Typical
- 10.65%
- Top 10% up to
- 8.90%
- Banks, typical
- 16.99%
- 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.
St. Louis, MO-IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Community Credit UnionCredit union · 42 branches
- 1st MidAmerica Credit UnionCredit union · 8 branches
- FRB Federal Credit UnionCredit union · 1 branch