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 Tampa, FL metro · median 11.99% APR
- 11.99%APRas low as
Terms
Rates as low as 11.99% APR.
Credit card score 72 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 18.00%
12.50% APR, up to 18.00%
Terms
Variable APR based on the Prime Lending Rate published in the Wall Street Journal on the last business day of the month; will not exceed 18% APR.
Credit card score 70 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 12.55%APRas low as · up to 18.00%
12.55% APR, up to 18.00%
Terms
Variable APR based on creditworthiness. 25-day grace period on purchases.
Credit card score 70 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 12.75%APRas low as · up to 18.00%
12.75% APR, up to 18.00%
Terms
Your APR will be 12.75% to 18.00% based on your credit score for purchases, balance transfers, and cash advances. Variable APR based on Prime Rate. Annual maintenance fee is None.
Credit card score 69 · Carrot Score 80
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 - 13.99%APRas low as · up to 22.99%
13.99% APR, up to 22.99%
Terms
Variable APR for purchases based on creditworthiness; varies with the market based on the Prime Rate.
Credit card score 63 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
As low as 13.99% APR based on creditworthiness.
Credit card score 63 · Carrot Score 63
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 - First California Federal Credit UnionVisa® Classic Credit Card · No annual fee
Credit union · 1 branch
15.49%APRas low asCredit card score 62 · Carrot Score 66
Rate checked · Credit cards rates on its site
Rates and branches - 15.75%APRas low as
Terms
Purchase APR as low as 15.75%. Credit limit $500 - $20,000.
Credit card score 61 · Carrot Score 91
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 - 18.00%APRas low as
Credit card score 60 · Carrot Score 72
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 Tampa, FL metro
31 banks and credit unions · checked Oct 15–22
- Typical
- 11.99%
- Top 10% up to
- 8.99%
- Banks, typical
- 17.74%
- Credit unions, typical
- 10.57%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Tampa, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 1 branch
- Suncoast Credit UnionCredit union · 30 branches