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 19 in Sugar Land, TX · median 12.95% APR
- 7.00%APRas low as
Terms
Ongoing variable APR equal to the Prime Rate without added margins. Applies to purchases, balance transfers, and cash advances.
Credit card score 92 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 7.90%APRas low as · up to 15.90%
7.90% APR, up to 15.90%
Terms
Subject to credit approval. Qualifying rates may be based on a combination of credit score and other normal lending criteria. $0 balance transfer fee.
Credit card score 93 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 8.99%APRas low as
Terms
Rates starting as low as 8.99% APR. No annual fees and no balance transfer fee. Credit card limits starting at $3,000. APR is based on creditworthiness criteria.
Credit card score 88 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Rate is As Low As (ALA); actual rate depends on personal credit history. Rate locked-in at time of credit approval for up to 30 days.
Credit card score 84 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Purchase APR for purchases at Bass Pro Shops and Cabela's.
Credit card score 82 · Carrot Score 84
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 - 11.50%APRas low as
Credit card score 75 · Carrot Score 77
Rate checked · Credit cards rates on its site
Rates and branches - 11.90%APRas low as
Terms
Ongoing standard purchase APR.
Credit card score 73 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as · up to 17.50%
12.50% APR, up to 17.50%
Terms
Non-variable rate based on creditworthiness. No balance transfer fees, no cash advance fees, and no penalty rates.
Credit card score 70 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - Pioneer Mutual Federal Credit UnionGold Master Card (Credit Card) · No annual fee
Credit union · 2 branches
12.95%APRas low asTerms
Rates starting at 12.95% APR. No annual fee or cash advance fee. Rates and fees subject to change.
Credit card score 67 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 13.50%APRas low as · up to 22.50%
13.50% APR, up to 22.50%
Terms
Thereafter, variable APR ranges from 13.50% to 22.50% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026.
Credit card score 65 · Carrot Score 63
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 - 13.74%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
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 - 14.92%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
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 Sugar Land, TX
19 banks and credit unions · checked Oct 7–22
- Typical
- 12.95%
- Top 10% up to
- 8.77%
- Banks, typical
- 13.99%
- Credit unions, typical
- 10.87%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Houston, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Nizari Credit UnionCredit union · 2 branches
- Cornerstone Capital BankBank · 1 branch