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 61–74 of 74 in Minnesota · median 12.02% APR
- 14.90%APRas low as
Terms
Fixed APR for purchases. No annual fees.
Credit card score 62 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as · up to 26.99%
14.99% APR, up to 26.99%
Terms
Purchase APR; variable based on Prime Rate and creditworthiness.
Credit card score 62
Rate checked · Credit cards rates on its site
Rates and branches - 14.99%APRas low as · up to 24.99%
14.99% APR, up to 24.99%
Terms
Variable APR based on Prime Rate (APRs shown based on 6.75% Prime Rate) plus a margin after the first 12 billing cycles. Rate depends on creditworthiness.
Credit card score 62 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history. APR as low as.
Credit card score 62 · Carrot Score 81
Rate checked · Credit cards rates on its site
Rates and branches - 15.00%APRas low as
Terms
Variable APR based on Prime Rate (6.75% as of 12/10/2025) plus an 8.00% margin. Maximum APR 16.99%. 25-day grace period for purchases.
Credit card score 62 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 15.75%APRas low as · up to 17.89%
15.75% APR, up to 17.89%
Terms
Variable APR based on creditworthiness. After that, APR varies with the market based on the Prime Rate. No annual fee, foreign transaction fee, or over-the-limit fee. Balance transfer fee either $10 or 2% of the amount of each transfer, whichever is greater; cash advance fee either $10 or 2% of the amount of each cash advance, whichever is greater. Late payment up to $25, returned payment up to $25.
Credit card score 61 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 16.25%APRas low as
Terms
APR of 16.25% applies to purchases, balance transfers, and cash advances (monthly periodic rate is 1.3542%). Non-variable rate.
Credit card score 61
Rate checked · Credit cards rates on its site
Rates and branches - 16.92%APRas low as
Terms
For purchases and balance transfers. Minimum interest charge is no less than $1.
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 - 18.49%APRas low as · up to 27.49%
18.49% APR, up to 27.49%
Terms
Variable purchase APR based on creditworthiness.
Credit card score 60 · Carrot Score 66
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
Terms
Variable APR calculated as Prime rate plus 12%. Prime is the prime rate published in The Wall Street Journal Money Rates table on the third Monday of each month prior to the month in which the billing date occurs. All rates subject to change without notice.
Credit card score 60 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 19.24%APRas low as · up to 28.24%
19.24% APR, up to 28.24%
Terms
Annual fee after the first 12 months is $99. Variable APR 19.24% to 28.24% based on creditworthiness and Prime Rate.
Credit card score 60 · Carrot Score 65
Rate checked · Credit cards rates on its site
Rates and branches - 24.99%APRas low as
Terms
Cash advance fee is $5 or 3% of each cash advance, whichever is greater.
Credit card 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 Minnesota
74 banks and credit unions · checked Oct 16–22
- Typical
- 12.02%
- Top 10% up to
- 9.89%
- Banks, typical
- 14.90%
- Credit unions, typical
- 11.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Minnesota
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Greater Community CUCredit union · 4 branches
- Altra Federal Credit UnionCredit union · 4 branches
- VisionBankBank · 1 branch