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 16–26 of 26 in San Antonio, TX · median 13.07% APR
- 13.74%APRas low as · up to 21.74%
13.74% APR, up to 21.74%
Terms
Variable regular APR for purchases based on creditworthiness and prime rate (up to 24.99%).
Credit card score 65 · Carrot Score 72
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Go to Rate of Prime + 6.99%
Credit card score 63 · Carrot Score 61
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 - 14.25%APRas low as · up to 17.90%
14.25% APR, up to 17.90%
Terms
Variable APR based on Prime Rate. Rates determined by creditworthiness and other factors. 25-day grace period on purchases before interest is charged. No balance transfer fee.
Credit card score 63 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 14.75%APRas low as
Terms
Variable APR based on the market Prime Rate. APR based on evaluation of applicant's credit. Minimum monthly payment due will be the greater of 2.5% of outstanding balance or $10.
Credit card score 62 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 14.92%APRas low as
Terms
Grace period of at least 25 days on purchases when paying the entire balance by the due date. No annual fee. Late payment fee: 5% of payment due or maximum $10. Includes platinum travel and concierge benefits.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 16.49%APRas low as
Terms
Purchase APR as low as 16.49% variable based on creditworthiness. APR varies with the market based on the Prime Rate. No annual fee.
Credit card score 61 · Carrot Score 72
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 - PenFed Credit UnionPenFed Power Cash Rewards Visa Signature Card · No annual fee
Credit union · 2 branches
17.99%APRas low asTerms
Purchase variable APR based on creditworthiness.
Credit card score 60 · Carrot Score 96
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 San Antonio, TX
26 banks and credit unions · checked Oct 15–22
- Typical
- 13.07%
- Top 10% up to
- 10.12%
- Banks, typical
- 13.99%
- Credit unions, typical
- 11.50%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
San Antonio, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nizari Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 4 branches
- CommunityAmerica Credit UnionCredit union · 1 branch