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 1–11 of 11 in Louisville, KY · median 13.00% APR
- 8.90%APRas low as · up to 17.90%
8.90% APR, up to 17.90%
Terms
Fixed rates of 8.9%, 9.9%, 11.9%, 14.9% or 17.9% APR based on credit profile. Applies to new and outstanding balances, balance transfers, purchases, and cash advances. No annual fee, cash advance fee, or balance transfer fee.
Credit card score 89 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 9.75%APRas low as
Terms
Regular APR as low as 9.75%.
Credit card score 87 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Fixed APR of 9.99%. 25-day grace period. 1% cash back on every purchase paid in December of each year. Credit limits $5,000 plus.
Credit card score 82 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 10.99%APRas low as
Terms
Quoted APR is as low as 10.99% based on creditworthiness and qualifications; rate may vary with the Prime Rate. Subject to approval and $10 membership fee if not already a member.
Credit card score 77 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as · up to 15.00%
13.00% APR, up to 15.00%
Terms
APRs are variable and determined by adding 6.00% to 8.00% to the Prime Rate in effect at the time of account opening. Current APRs based on Prime Rate as of 10-9-2026. Minimum credit limit $5,000. Subject to credit approval.
Credit card score 66 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 13.00%APRas low as
Credit card score 66 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 13.49%APRas low as
Terms
Variable purchase APR adjusts to 14.99% APR after the Intro period. Calculated as Prime Rate (7.00% as of 9/17/2026) + 6.49% margin (Maximum APR 24.00%).
Credit card score 66
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 - 14.90%APRas low as · up to 18.00%
14.90% APR, up to 18.00%
Terms
Standard variable purchase APR of 14.90% to 18.00% based on creditworthiness and qualifications; maximum APR is 18.00%.
Credit card score 62 · Carrot Score 95
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 - 19.00%APRas low as · up to 25.00%
19.00% APR, up to 25.00%
Terms
Variable APR based on creditworthiness. Variable rate indexed to Wall Street Journal Prime Rate.
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 Louisville, KY
11 banks and credit unions · checked Oct 16–22
- Typical
- 13.00%
- Top 10% up to
- 9.75%
- Banks, typical
- 13.74%
- Credit unions, typical
- 10.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Louisville/Jefferson County, KY-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 4 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch
- Indiana Members Credit UnionCredit union · 2 branches