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 121–135 of 196 in Texas · median 10.91% APR
- 11.99%APRas low as · up to 23.99%
11.99% APR, up to 23.99%
Terms
Credit Card APR may vary and is determined by adding margin (Low Rate margin is 4.99% to 16.99%) to the U.S. prime rate published in the Money Rates section of the Wall Street Journal on the first business day of the month.
Credit card score 72 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 11.99%APRas low as
Terms
Rate is based on qualifications including credit history.
Credit card score 72 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as · up to 18.00%
12.00% APR, up to 18.00%
Terms
Subject to credit approval; credit criteria and restrictions apply.
Credit card score 72 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
Rates as low as 12.00% APR.
Credit card score 72 · Carrot Score 86
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
12% APR regardless of credit score. Non-variable rate. No annual fee.
Credit card score 72 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 12.00%APRas low as
Terms
25-day grace period for purchases. Balance computed using Average Daily Balance (including new purchases).
Credit card score 72 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.24%APRas low as
Terms
Variable APR as low as 12.24% for purchases and balance transfers. Qualification and rate is based on an assessment of individual creditworthiness and underwriting standards.
Credit card score 71 · Carrot Score 70
Rate checked · Credit cards rates on its site
Rates and branches - 12.25%APRas low as · up to 18.00%
12.25% APR, up to 18.00%
Terms
Variable APR based on Prime Rate / WSJP plus a margin, determined by creditworthiness.
Credit card score 71 · Carrot Score 76
Rate checked · Credit cards rates on its site
Rates and branches - 12.40%APRas low as
Terms
Non-Rewards Tier 1 regular purchase APR
Credit card score 71 · Carrot Score 96
Rate checked · Credit cards rates on its site
Rates and branches - 12.40%APRas low as · up to 17.90%
12.40% APR, up to 17.90%
Terms
Purchases APR. Based on creditworthiness; variable with prime rate. Balance transfer fee: None.
Credit card score 71 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - Houston Texas Fire Fighters Federal Credit UnionVISA Rewards · No annual fee
Credit union · 3 branches
12.40%APRas low as · up to 17.40%12.40% APR, up to 17.40%
Terms
Variable APR between 12.40% and 17.40% applies upon first billing cycle after 6 months on all balances not paid by statement due date depending upon individual credit criteria.
Credit card score 71 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - TexHillCo School Employees Federal Credit UnionMastercard Platinum Credit Card · No annual fee
Credit union · 1 branch
12.49%APRas low asTerms
Rate advertised as 'As Low As' effective October 16, 2026. Terms subject to agreement.
Credit card score 70 · Carrot Score 83
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as
Terms
All loans are subject to credit approval. Actual rates are based on individual credit worthiness.
Credit card score 70 · Carrot Score 80
Rate checked · Credit cards rates on its site
Rates and branches - 12.50%APRas low as
Terms
Standard variable APR based on prime rate and credit history.
Credit card score 70 · Carrot Score 87
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
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 Texas
196 banks and credit unions · checked Oct 16–23
- Typical
- 10.91%
- Top 10% up to
- 8.90%
- Banks, typical
- 14.00%
- Credit unions, typical
- 10.75%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Texas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- NAFT Federal Credit UnionCredit union · 3 branches
- Barksdale Federal Credit UnionCredit union · 2 branches