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★ THE HONEST NUMBER ON EVERY CARD949 CARDS TRACKEDNO BIAS · NO SIGNUP
File Nº 01 — United States Cards

The honest number on every United States credit card.

Every card we hold for United States — fee, network, and welcome offer, with no marketing copy and no pay-to-rank. Where a figure has never been recorded, we leave it blank rather than guess it.

*figures come from issuers’ own terms and regulators’ published documents. Each card's review page marks which of its figures a document states — and marks the rest Not yet checked, or Not published where we checked, or Issuer restricts access.

949
United States cards tracked
30
categories filed
The ledger

All credit cards in United States

Showing 48 of 949
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Filtering on fee uses the figure on record. A card with no fee on record shows a blank on its tile, not a price.
360 Federal Credit Union№ 3

360FCU Visa Classic

Credit card issued by 360 Federal Credit Union.

Annual feeNot confirmed
Top earn rateNot confirmed
360 Federal Credit Union№ 4

360FCU Visa Rewards

Credit card issued by 360 Federal Credit Union.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
Citibank / Citigroup№ 7

AAdvantage® MileUp® Card

Mastercard issued by Citibank / Citigroup.

AirlineNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 8

AARP® Essential Rewards Mastercard® from Barclays

Earn a $100 Cash Back Bonus after spending $500 on purchases in the first 90 days of account opening

Balance TransferCash Back
Annual fee$0per year
Top earn rate3%Drugstores
Justice Federal Credit Union№ 9

ACA VISA Rewards

Visa card issued by Justice Federal Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
JPMorgan Chase Bank№ 12

Aer Lingus Visa Signature® Card

Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.*

AirlineNo FX Fee
Annual fee$95per year
Top earn rateNot confirmed
JPMorgan Chase Bank№ 13

Aeroplan® Credit Card

Visa card issued by JPMorgan Chase Bank.

AirlineDining
Annual fee$95per year
Top earn rateNot confirmed
Justice Federal Credit Union№ 14

AFNA VISA Rewards

Visa card issued by Justice Federal Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Cardless, Inc.№ 16

Alibaba.com Business Edge Card

Credit card issued by Cardless, Inc..

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Align Credit Union№ 17

Align Visa Credit Card

Visa card issued by Align Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Alliant Credit Union№ 19

Alliant Visa® Platinum Card

Visa card issued by Alliant Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Synchrony Bank / Synchrony Financial№ 21

Amazon Prime Store Card

Credit card issued by Synchrony Bank / Synchrony Financial.

No Annual FeeStore & Retail
Annual fee$0per year
Top earn rateNot confirmed
Synchrony Bank / Synchrony Financial№ 22

Amazon Secured Card

Credit card issued by Synchrony Bank / Synchrony Financial.

Credit BuildingLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Synchrony Bank / Synchrony Financial№ 23

Amazon Store Card

Credit card issued by Synchrony Bank / Synchrony Financial.

No Annual FeeStore & Retail
Annual fee$0per year
Top earn rateNot confirmed
JPMorgan Chase Bank№ 24

Amazon Visa

Get a $50 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance on approval of your credit card application.*

Cash BackDining
Annual fee$0per year
Top earn rateNot confirmed
American Express№ 27

American Express® Gold Card

Amex card issued by American Express.

DiningGroceries
Annual fee$325per year
Top earn rateNot confirmed
American Express№ 28

American Express® Green Card

Amex card issued by American Express.

DiningRewards
Annual fee$150per year
Top earn rateNot confirmed
American Express№ 29

Amex EveryDay Credit Card

Amex card issued by American Express.

No Annual FeeRewards
Annual fee$0per year
Top earn rateNot confirmed
First National Bank of Omaha (FNBO / First Bankcard)№ 31

Amtrak Guest Rewards® Mastercard®

Mastercard issued by First National Bank of Omaha (FNBO / First Bankcard).

No Annual FeeRewards
Annual fee$0per year
Top earn rateNot confirmed
First National Bank of Omaha (FNBO / First Bankcard)№ 32

Amtrak Guest Rewards® Preferred Mastercard®

Mastercard issued by First National Bank of Omaha (FNBO / First Bankcard).

No FX FeePremium
Annual fee$99per year
Top earn rateNot confirmed
Goldman Sachs№ 33

Apple Card

Mastercard issued by Goldman Sachs.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Apple Card№ 34

Apple Card Family

Mastercard issued by Apple Card.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Bread Financial (Comenity Bank)№ 38

Arhaus Archarge Credit Card

Credit card issued by Bread Financial (Comenity Bank).

Annual feeNot confirmed
Top earn rateNot confirmed
Synchrony Bank / Synchrony Financial№ 41

Ashley Advantage Credit Card

Credit card issued by Synchrony Bank / Synchrony Financial.

No Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Associated Healthcare Credit Union№ 42

Associated Healthcare Credit Union Premier

Credit card issued by Associated Healthcare Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Citibank / Citigroup№ 44

AT&T Points Plus® Card from Citi

Visa card issued by Citibank / Citigroup.

EV ChargingNo Annual Fee
Annual fee$0per year
Top earn rate3xgas and EV charging stations
Barclays US (Barclays Bank Delaware)№ 45

Athleta Encore Mastercard®

Welcome bonus | Receive 20% off your first purchase with your new card at Athleta

No Annual FeeRewards
Annual fee$0per year
Top earn rate5xGap Inc. family of brands
Questions

Frequently asked

How many credit cards does PointsExplained track in United States?

We currently track 949 credit cards in United States, covering every major bank and issuer. Each card records the issuer's published fee, network, category, and welcome offer where we hold one.

What is the best credit card in United States?

The best card depends on your spending. For travel, look for accelerated earn on travel and dining. For everyday value, a card with broad earn and no yearly cost is ideal. Use the category chips and filters above to narrow 949 cards to your wallet.

How do I compare credit cards on this page?

Filter by network (Visa, Mastercard, Amex) and annual fee, then open any card for the full review. To put two or three cards head to head, use the Compare tool, which lays them out side by side on a single ledger.

Why do some cards show a blank annual fee?

Because we hold no confirmed figure for it. Our fee column used to default to zero, and many cards still carry a zero that no check has confirmed — so a zero on its own cannot be told apart from a field nobody filled in, and printing “$0” there would invent a price. A card shows a fee where a positive one is on record, or where a zero was confirmed against the issuer's terms; otherwise the slot reads “Not confirmed”, and the issuer's own page is the place to check before you apply.

How do I know which of a card's details have been checked?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.