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 91–105 of 117 in Florida · median 12.24% APR
- 13.99%APRas low as
Terms
Go to Rate of Prime + 6.99%.
Credit card 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 - 14.64%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Credit card score 63 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 14.90%APRas low as
Terms
Minimum credit limit is $2,500 and maximum credit limit is $25,000.
Credit card score 62 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 14.90%APRas low as
Terms
Annual Percentage Rate (APR) for Purchases is 14.90% Fixed. Primary card annual fee of $250 is waived during the first year; waived in subsequent years if annual spending is $35,000 or more. No fee for additional cards. Foreign transaction fee is 2.5% of each non-U.S. transaction after conversion to US dollars.
Credit card score 60
Rate checked · Credit cards rates on its site
Rates and branches - 15.49%APRas low as · up to 25.49%
15.49% APR, up to 25.49%
Terms
Standard variable APR for purchases and balance transfers based on creditworthiness and Prime Rate (evaluated with a 7.50% Prime Rate baseline).
Credit card score 62 · Carrot Score 64
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 - 15.90%APRas low as
Terms
25 days average grace period on purchases; average daily balance method; balance transfer fee NONE; cash advance fee NONE. Default APR 15.90%. Rate adjustment up to 18.00% maximum for bankruptcy or Beacon score under 500.
Credit card score 61 · Carrot Score 67
Rate checked · Credit cards rates on its site
Rates and branches - 15.99%APRas low as · up to 25.74%
15.99% APR, up to 25.74%
Terms
Variable APR after the introductory period.
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 15.99%APRas low as
Terms
Revolving. Max $10,000. Credit criteria apply.
Credit card score 61 · Carrot Score 71
Rate checked · Credit cards rates on its site
Rates and branches - 16.90%APRas low as
Terms
Featured rate as low as stated. Rates Subject to Change.
Credit card score 61 · Carrot Score 86
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 - 17.90%APRas low as
Terms
Fixed APR for purchases.
Credit card score 60 · Carrot Score 61
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