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 117 in Florida · median 12.24% APR
- 8.99%APRas low as
Terms
Available to qualified borrowers. Other restrictions may apply. Rates do not apply to refinance existing TMH FCU loans. Membership is subject to eligibility.
Credit card score 88 · Carrot Score 92
Rate checked · Credit cards rates on its site
Rates and branches - 9.00%APRas low as
Terms
Fixed APR applies equally to purchases, balance transfers, and cash advances. No balance transfer fee, no cash advance fee, and no penalty APR. Minimum credit limit is $1,000.00; maximum credit limit is $15,000.00.
Credit card score 88 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 9.20%APRas low as
Terms
Subject to individual credit worthiness. FICO 730+. Prime rate 7.00%, margin 2.20%, monthly periodic rate 0.7667%. Low APR applies to all purchases, balance transfers, and cash advances.
Credit card score 88 · Carrot Score 84
Rate checked · Credit cards rates on its site
Rates and branches - 9.40%APRas low as · up to 17.99%
9.40% APR, up to 17.99%
Terms
Rates and payment options based on creditworthiness, term, and other factors. No annual, over-the-limit, cash advance, or balance transfer fees. Effective as of October 1, 2026.
Credit card score 88 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as
Terms
Rates as low as 9.49% APR based on the term and individual's creditworthiness. Subject to credit approval. No annual fee. Interest-free grace period on purchases.
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - Floridacentral Credit UnionFloridacentral Classic Credit Card · No annual fee
Credit union · 13 branches
9.49%APRas low asTerms
Tier A+ (740+). Interest rates adjust quarterly by adding the appropriate margin to the Wall Street Journal Index.
Credit card score 87 · Carrot Score 82
Rate checked · Credit cards rates on its site
Rates and branches - 9.49%APRas low as
Terms
Rate is fixed; APR for balance transfers and cash advances remains at the same APR as purchases. Subject to credit approval.
Credit card score 87 · Carrot Score 89
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Option with no rewards. Same Great Rate on Purchases & Cash Advances.
Credit card score 87 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Rates vary by individual credit history and term of loan. All rates discounts and/or promotional offers combined may not go below the current floor rate of 4.00% APR for consumer loans.
Credit card score 87 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as
Terms
Variable APR equals 2.50% + Prime (tied to The Wall Street Journal Prime Rate). Credit line starts at $10,000. Cash Back is automatically deposited into a High Yield Savings account that earns 5%.
Credit card score 87 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 9.50%APRas low as · up to 18.00%
9.50% APR, up to 18.00%
Terms
Rate based on credit history / creditworthiness at account opening. The same qualifying rate applies to all classes of transactions (purchases, balance transfers, and cash advances). No annual fee, no cash-advance fee, no balance transfer fee.
Credit card score 87 · Carrot Score 85
Rate checked · Credit cards rates on its site
Rates and branches - 9.74%APRas low as · up to 17.99%
9.74% APR, up to 17.99%
Terms
25-day grace period for repayment of balances or purchases. Average Daily Balance (including new purchases). Minimum finance charge $.50.
Credit card score 87 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.75%APRas low as · up to 17.75%
9.75% APR, up to 17.75%
Terms
Variable purchase APR based on evaluation of credit history; lowest featured rate based on credit score of 760. $0 balance transfer fee and no teaser rates.
Credit card score 87 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 9.75%APRas low as · up to 18.00%
9.75% APR, up to 18.00%
Terms
Rates based on credit score. Fixed APR.
Credit card score 87 · Carrot Score 90
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Variable rate. Rates starting at 9.90% APR (as low as). Based on creditworthiness.
Credit card score 84 · Carrot Score 93
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 Florida
117 banks and credit unions · checked Oct 15–22
- Typical
- 12.24%
- Top 10% up to
- 8.99%
- Banks, typical
- 15.74%
- Credit unions, typical
- 10.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Florida
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 9 branches
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 4 branches