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State · US-CA

Credit cards in California

Every card we hold for the United States that our records do not limit to another part of the country, with cards limited to California and issuers our California research names listed first.

*every note about California on this page quotes the page it came from, with the date we read it.

949
cards in the United States catalogue not limited elsewhere
4
from regional issuers
23
regional issuers with branches here
3
sourced notes
California, sourced

What is different about California

Each note is taken from the page shown under it. Rules change, so the date we read the page is printed beside it.

Law & rules

In 1985, California passed a law (Civil Code section 1748.1) that prohibited merchants from adding a surcharge (an extra fee) when customers pay by credit card instead of cash.

“The law was challenged by several businesses, and in January of 2018 a federal court held that the law could not be enforced as to the businesses which brought that case.”
Regional first

Issuers our California notes name

An issuer is marked regional only where the line quoted from its source ties who may join, or where it operates, to California. Being based or big here is not that: an issuer named for its headquarters or size may lend nationwide, and its own page states who can apply.

SchoolsFirst is a California-based institution servicing nearly 1.6 million members.

“It is headquartered in Tustin, California, and has branches throughout California.”

SchoolsFirst Federal Credit Union · 4 on file · no regional limit quoted

SchoolsFirst Federal Credit UnionMastercard

Inspire Mastercard

Mastercard issued by SchoolsFirst Federal Credit Union.

Credit BuildingLow Interest
Annual fee$0per year
Top earn rateNot confirmed
SchoolsFirst Federal Credit UnionMastercard

Rewards Mastercard

Mastercard issued by SchoolsFirst Federal Credit Union.

No FX FeePoints
Annual fee$0Estimateper year
Top earn rate1.5xOther
SchoolsFirst Federal Credit UnionMastercard

School Employee Mastercard

Mastercard issued by SchoolsFirst Federal Credit Union.

Cash BackLow Interest
Annual fee$0Estimateper year
Top earn rateNot confirmed
SchoolsFirst Federal Credit UnionMastercard

Share-Secured Mastercard

Mastercard issued by SchoolsFirst Federal Credit Union.

SecuredCredit Building
Annual fee$0Estimateper year
Top earn rateNot confirmed

Golden 1 Credit Union was chartered in 1933. It serves nearly 1.2 million members and has more than $22 billion in total deposits.

“Membership is open to anyone who lives or works in California.”
“Headquarters : Sacramento, California”
  • Source: Bankrate (bankrate.com) · read Oct 7, 2026

Golden 1 Credit Union · 4 on file · regional: membership or reach tied to California in the line quoted

Golden 1 Credit UnionVisa

Member First

Visa card issued by Golden 1 Credit Union.

Credit BuildingSecured
Annual fee$0Estimateper year
Top earn rateNot confirmed
Golden 1 Credit UnionVisa

Member Rate Advantage

Visa card issued by Golden 1 Credit Union.

Low Interest
Annual fee$0Estimateper year
Top earn rateNot confirmed
Golden 1 Credit UnionVisa

Platinum Rewards for Students

Visa card issued by Golden 1 Credit Union.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
21 regional networks

Card issuers with branches in California

Where these issuers have branches, as the regulator's register lists them, with the date we read it. A branch here is not a limit on who may apply — many of these cards are open nationwide — and having no branch here does not rule a card out. The issuer's own page says who can apply. "Regional" means a branch network in at most half the country.

Regional network

Citibank / Citigroup

271 branches in California

FDIC BankFind lists 271 full-service offices of "Citibank, National Association" (CERT 7213) in California, out of 659 full-service offices in 11 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Citibank / Citigroup · 26 on file

Citibank / CitigroupMastercard

AAdvantage® MileUp® Card

Mastercard issued by Citibank / Citigroup.

AirlineNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Citibank / CitigroupMastercard

Citi Simplicity® Card

Mastercard issued by Citibank / Citigroup.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Regional network

BMO (Bank of Montreal US / BMO Harris)

223 branches in California

FDIC BankFind lists 223 full-service offices of "BMO Bank National Association" (CERT 16571) in California, out of 957 full-service offices in 22 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

BMO (Bank of Montreal US / BMO Harris) · 7 on file

BMO (Bank of Montreal US / BMO Harris)Mastercard

BMO Business Platinum Rewards Mastercard

Mastercard issued by BMO (Bank of Montreal US / BMO Harris).

BusinessNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
BMO (Bank of Montreal US / BMO Harris)Mastercard

BMO Platinum Credit Card

Mastercard issued by BMO (Bank of Montreal US / BMO Harris).

No Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
BMO (Bank of Montreal US / BMO Harris)Mastercard

BMO Platinum Rewards Credit Card

Get 15,000 bonus points when you spend $1,500 within 3 months of opening your account.

Gas & FuelGroceries
Annual fee$0Estimateper year
Top earn rateNot confirmed
Regional network

Fifth Third Bank

84 branches in California

FDIC BankFind lists 84 full-service offices of "Fifth Third Bank, National Association" (CERT 6672) in California, out of 1,486 full-service offices in 15 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Fifth Third Bank · 14 on file

Fifth Third BankCard

Fifth Third Secured Credit Card

Credit card issued by Fifth Third Bank.

Credit BuildingNo Credit History
Annual fee$24per year
Top earn rateNot confirmed
Fifth Third BankCard

Truly Simple Credit Card

Credit card issued by Fifth Third Bank.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Regional network

First Citizens Bank

54 branches in California

FDIC BankFind lists 54 full-service offices of "First-Citizens Bank & Trust Company" (CERT 11063) in California, out of 509 full-service offices in 23 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

First Citizens Bank · 9 on file

First Citizens BankVisa

Cash Rewards Business Credit Card

Get $100 cash back when you spend $3,000 in the first 90 days.D

BusinessCash Back
Annual fee$0per year
Top earn rateNot confirmed
First Citizens BankCard

Cash Rewards Credit Card

Credit card issued by First Citizens Bank.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rate1.5%Other
First Citizens BankVisa

Rewards Business Credit Card

Get 10,000 bonus points when you spend $3,000 in the first 90 days.D

BusinessNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Regional network

San Diego County Credit Union

39 branches in California

NCUA's 2026-06 call-report branch file lists 39 offices with member services of "SAN DIEGO COUNTY" (charter 61004) in California, out of 39 offices with member services in 1 state.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

San Diego County Credit Union · 4 on file

San Diego County Credit UnionVisa

SDCCU Share Secured Visa Classic

Visa card issued by San Diego County Credit Union.

Secured
Annual fee$20per year
Top earn rateNot confirmed
San Diego County Credit UnionVisa

SDCCU Visa Signature

Visa card issued by San Diego County Credit Union.

Annual fee$99Not yet checked with San Diego County Credit Unionper year
Top earn rate2xNot yet checked with San Diego County Credit UnionOther
San Diego County Credit UnionVisa

SDCCU Cash Rewards Visa Platinum

Visa card issued by San Diego County Credit Union.

Premium
Annual feeNot confirmed
Top earn rate1%Not yet checked with San Diego County Credit UnionOther
Regional network

Patelco Credit Union

35 branches in California

NCUA's 2026-06 call-report branch file lists 35 offices with member services of "PATELCO" (charter 68579) in California, out of 35 offices with member services in 1 state.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Patelco Credit Union · 3 on file

Patelco Credit UnionMastercard

Points Rewards World Mastercard Credit Card

Get 20,000 extra points – worth $200 – when you spend $1,500 in the first 3 months of opening your card.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rate2xGas & Fuel
Patelco Credit UnionMastercard

Pure Secured Mastercard Credit Card

Mastercard issued by Patelco Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Regional network

Mission Federal Credit Union

34 branches in California

NCUA's 2026-06 call-report branch file lists 34 offices with member services of "MISSION" (charter 14384) in California, out of 34 offices with member services in 1 state.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Mission Federal Credit Union · 1 on file

Regional network

Wescom Central Credit Union

30 branches in California

NCUA's 2026-06 call-report branch file lists 30 offices with member services of "WESCOM CENTRAL" (charter 66703) in California, out of 30 offices with member services in 1 state.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Wescom Central Credit Union · 3 on file

Wescom Central Credit UnionVisa

MyRewards Visa

One-Time $100 Cash Back Bonus Earn 10,000 bonus points (a $100 value) when you spend $2,500 within first 3 months

No Annual FeeNo FX Fee
Annual fee$0per year
Top earn rate1.5%Other
Wescom Central Credit UnionVisa

Bruin Edge Visa

Make $2,500 in purchases with your new card within the first three months of account opening and you’ll earn 50,000 bonus points — enough for $500 worth of rewards, including cash back, experiences, and more!

Balance TransferWelcome Bonus
Annual fee$0Estimateper year
Top earn rateNot confirmed
Wescom Central Credit UnionVisa

Wescom Active Visa

Visa card issued by Wescom Central Credit Union.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Regional network

Travis Credit Union

24 branches in California

NCUA's 2026-06 call-report branch file lists 24 offices with member services of "TRAVIS" (charter 68429) in California, out of 24 offices with member services in 1 state.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Travis Credit Union · 1 on file

Travis Credit UnionVisa

Travis Credit Union Platinum Visa

Visa card issued by Travis Credit Union.

No Annual FeeWelcome Bonus
Annual fee$0per year
Top earn rate2xDrugstores
Regional network

Kinecta Federal Credit Union

21 branches in California

NCUA's 2026-06 call-report branch file lists 21 offices with member services of "KINECTA" (charter 4142) in California, out of 24 offices with member services in 2 states.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Kinecta Federal Credit Union · 1 on file

Kinecta Federal Credit UnionCard

MyPro Business Credit Card

Credit card issued by Kinecta Federal Credit Union.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Regional network

Logix Federal Credit Union

18 branches in California

NCUA's 2026-06 call-report branch file lists 18 offices with member services of "LOGIX" (charter 1999) in California, out of 18 offices with member services in 1 state.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Logix Federal Credit Union · 2 on file

Logix Federal Credit UnionMastercard

World Rewards Mastercard

Earn valuable rewards on every purchase! Spend $2,500 in purchases on your World Rewards Mastercard in the first 90 days, and get 10,000 bonus points† - that's $100 cash back!

Travel InsuranceWelcome Bonus
Annual fee$0Estimateper year
Top earn rateNot confirmed
Logix Federal Credit UnionMastercard

Platinum Mastercard

Mastercard issued by Logix Federal Credit Union.

Low InterestPremium
Annual fee$0Estimateper year
Top earn rateNot confirmed
Regional network

Communityamerica Federal Credit Union

17 branches in California

NCUA's 2026-06 call-report branch file lists 17 offices with member services of "COMMUNITYAMERICA" (charter 15732) in California, out of 77 offices with member services in 14 states.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Communityamerica Federal Credit Union · 1 on file

Regional network

Citizens Bank

8 branches in California

FDIC BankFind lists 8 full-service offices of "Citizens Bank, National Association" (CERT 57957) in California, out of 966 full-service offices in 16 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Citizens Bank · 9 on file

Citizens BankMastercard

Citizens Amp® Mastercard®

Mastercard issued by Citizens Bank.

Credit BuildingNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Regional network

Mirastar Federal Credit Union

7 branches in California

NCUA's 2026-06 call-report branch file lists 7 offices with member services of "MIRASTAR" (charter 24299) in California, out of 7 offices with member services in 1 state.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Mirastar Federal Credit Union · 1 on file

Mirastar Federal Credit UnionVisa

Mirastar Visa Platinum

Visa card issued by Mirastar Federal Credit Union.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
Regional network

HSBC Bank USA

6 branches in California

FDIC BankFind lists 6 full-service offices of "HSBC Bank USA, National Association" (CERT 57890) in California, out of 21 full-service offices in 7 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

HSBC Bank USA · 2 on file

Regional network

Midfirst Bank

6 branches in California

FDIC BankFind lists 6 full-service offices of "MidFirst Bank" (CERT 4063) in California, out of 93 full-service offices in 7 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Midfirst Bank · 1 on file

Regional network

Star One Credit Union

6 branches in California

NCUA's 2026-06 call-report branch file lists 6 offices with member services of "STAR ONE" (charter 68465) in California, out of 6 offices with member services in 1 state.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Star One Credit Union · 3 on file

Star One Credit UnionVisa

Visa Platinum

Visa card issued by Star One Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Star One Credit UnionVisa

Visa Platinum Rewards

Visa card issued by Star One Credit Union.

Low InterestPremium
Annual fee$0Estimateper year
Top earn rate1xOther
Star One Credit UnionVisa

Visa Signature

Visa card issued by Star One Credit Union.

Low Interest
Annual fee$0Estimateper year
Top earn rate1.5xOther
Regional network

Kings Federal Credit Union

2 branches in California

NCUA's 2026-06 call-report branch file lists 2 offices with member services of "KINGS" (charter 10395) in California, out of 2 offices with member services in 1 state.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Kings Federal Credit Union · 1 on file

Regional network

America First Credit Union

1 branch in California

NCUA's 2026-06 call-report branch file lists 1 office with member services of "AMERICA FIRST" (charter 24694) in California, out of 123 offices with member services in 6 states.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

America First Credit Union · 8 on file

America First Credit UnionVisa

Secured Visa

Visa card issued by America First Credit Union.

Credit BuildingNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
America First Credit UnionVisa

Visa Platinum

Visa card issued by America First Credit Union.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Regional network

Justice Federal Credit Union

1 branch in California

NCUA's 2026-06 call-report branch file lists 1 office with member services of "JUSTICE" (charter 151) in California, out of 21 offices with member services in 9 states.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Justice Federal Credit Union · 13 on file

Justice Federal Credit UnionVisa

ACA VISA Rewards

Visa card issued by Justice Federal Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Justice Federal Credit UnionVisa

C.O.P.S. VISA Rewards

Visa card issued by Justice Federal Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Justice Federal Credit UnionVisa

FBI-LEEDA VISA Rewards

Visa card issued by Justice Federal Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Regional network

Trugrocer Federal Credit Union

1 branch in California

NCUA's 2026-06 call-report branch file lists 1 office with member services of "TRUGROCER" (charter 17127) in California, out of 7 offices with member services in 6 states.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Trugrocer Federal Credit Union · 1 on file

Trugrocer Federal Credit UnionVisa

TruGrocer VISA Rewards Credit Card

Spend $500 within the first 90 days of account opening and receive 10,000 bonus points = to $100 cashback!

No Annual FeeWelcome Bonus
Annual fee$0per year
Top earn rate3xGroceries
National network

JPMorgan Chase Bank

855 branches in California

FDIC BankFind lists 855 full-service offices of "JPMorgan Chase Bank, National Association" (CERT 628) in California, out of 5,145 full-service offices in 49 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

JPMorgan Chase Bank · 42 on file

JPMorgan Chase BankVisa

Chase Sapphire Preferred® Card

New Cardmember Bonus – 75,000 Points: To qualify, you must make $5,000 in purchases during the first 3 months from account opening.

No FX FeeRewards
Annual fee$95per year
Top earn rate5xChase Travel
JPMorgan Chase BankVisa

Chase Sapphire Reserve®

New Cardmember Bonus - 100,000 Points: To qualify, you must make $6,000 in purchases during the first 3 months from account opening.

Lounge AccessPremium
Annual fee$795per year
Top earn rate8xall purchases through Chase Travel, including The EditSM
JPMorgan Chase BankVisa

Iberia 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 rate3xIberia, British Airways, and Aer Lingus flight purchases
National network

Wells Fargo

753 branches in California

FDIC BankFind lists 753 full-service offices of "Wells Fargo Bank, National Association" (CERT 3511) in California, out of 4,064 full-service offices in 37 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Wells Fargo · 11 on file

Wells FargoMastercard

Signify Business Cash® Card

Mastercard issued by Wells Fargo.

BusinessCash Back
Annual fee$0per year
Top earn rateNot confirmed
National network

Bank of America

675 branches in California

FDIC BankFind lists 675 full-service offices of "Bank of America, National Association" (CERT 3510) in California, out of 3,523 full-service offices in 39 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Bank of America · 29 on file

Bank of AmericaVisa

BankAmericard® Credit Card

Visa card issued by Bank of America.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
National network

U.S. Bank

561 branches in California

FDIC BankFind lists 561 full-service offices of "U.S. Bank National Association" (CERT 6548) in California, out of 2,075 full-service offices in 29 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

U.S. Bank · 19 on file

U.S. BankVisa

State Farm Premier Cash Rewards Visa Signature® Card

Earn a bonus of $150 cash back by spending $500 in the first 90 days of being approved for the State Farm® Premier Cash Rewards Visa Signature® Card.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rate3%insurance premium payments
U.S. BankVisa

U.S. Bank Cash+® Visa Signature® Card

For a limited time, earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.1

Balance TransferCash Back
Annual fee$0per year
Top earn rateNot confirmed
National network

PNC Bank

56 branches in California

FDIC BankFind lists 56 full-service offices of "PNC Bank, National Association" (CERT 6384) in California, out of 2,303 full-service offices in 28 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

PNC Bank · 11 on file

PNC BankVisa

PNC Cash Rewards Visa Signature Business Credit Card

Earn a $400 Statement Credit After making at least $3,000 in net purchases during the first three billing cycles following account opening.

BusinessCash Back
Annual fee$0per year
Top earn rateNot confirmed
National network

Navy Federal Credit Union

54 branches in California

NCUA's 2026-06 call-report branch file lists 54 offices with member services of "NAVY FEDERAL CREDIT UNION" (charter 5536) in California, out of 361 offices with member services in 32 states.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Navy Federal Credit Union · 8 on file

Navy Federal Credit UnionAmex

More Rewards American Express Card

Amex card issued by Navy Federal Credit Union.

No Annual FeeRewards
Annual fee$0per year
Top earn rate3xDining
Navy Federal Credit UnionVisa

cashRewards Credit Card

You can earn $250 bonus cash when you spend $2,500 within 90 days of account opening

Cash BackNo FX Fee
Annual fee$0Estimateper year
Top earn rate1.5%Other
Navy Federal Credit UnionVisa

GO REWARDS Credit Card

Visa card issued by Navy Federal Credit Union.

No Annual FeeRewards
Annual fee$0per year
Top earn rateNot confirmed
National network

SoFi

3 branches in California

FDIC BankFind lists 3 full-service offices of "SoFi Bank, National Association" (CERT 26881) in California, out of 4 full-service offices in 2 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

SoFi · 4 on file

SoFiMastercard

SoFi Essential Credit Card

Mastercard issued by SoFi.

Credit Building
Annual feeNot confirmed
Top earn rateNot confirmed
SoFiMastercard

SoFi Smart Card

Mastercard issued by SoFi.

Secured
Annual feeNot confirmed
Top earn rateNot confirmed
By city

Cities in California

Cities where several card issuers in our catalogue have branches, each with its own list.

Los Angeles · 10San Diego · 9San Francisco · 8San Jose · 8Torrance · 8Pasadena · 7Tustin · 7Anaheim · 6Huntington Beach · 6Irvine · 6Newport Beach · 6Sacramento · 6Thousand Oaks · 6Beverly Hills · 5Burbank · 5Concord · 5Costa Mesa · 5Cupertino · 5El Cajon · 5Elk Grove · 5Escondido · 5Folsom · 5Fremont · 5Glendale · 5Long Beach · 5Mission Viejo · 5Oakland · 5Roseville · 5San Mateo · 5Santa Monica · 5Sunnyvale · 5Walnut Creek · 5Woodland Hills · 5
The ledger

Other cards in the United States

Showing 24 of 706
Listed fullest record first — fee, earn rate, welcome offer and annual-fee check on file — not by merit. A blank on a tile is a figure we do not hold.
Barclays US (Barclays Bank Delaware)Mastercard

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
Barclays US (Barclays Bank Delaware)Mastercard

Athleta Encore Mastercard®

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
Barclays US (Barclays Bank Delaware)Mastercard

Banana Republic Encore Mastercard®

Receive 20% off your first purchase with your new card at Banana Republic

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

Capital One VentureOne Rewards

Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening

No Annual FeeNo FX Fee
Annual fee$0per year
Top earn rate5xhotels, vacation rentals and rental cars booked through Capital One Travel
Virginia Credit UnionMastercard

Flex Rewards Mastercard

Earn 20,000 in bonus points when you spend $3,000 within the first 90 days. That's equal to $200 in gift cards!

No Annual FeeWelcome Bonus
Annual fee$0per year
Top earn rate2xDining
Barclays US (Barclays Bank Delaware)Mastercard

Gap Encore Mastercard®

Receive 20% off your first purchase with your new card at Gap

No Annual FeeRewards
Annual fee$0per year
Top earn rate5xGap Inc. family of brands
Barclays US (Barclays Bank Delaware)Mastercard

Old Navy Encore Mastercard®

Receive 30% off your first purchase with your new card at Old Navy

No Annual FeeRewards
Annual fee$0per year
Top earn rate5xGap Inc. family of brands
OnPoint Community Credit UnionVisa

Signature Visa with Rewards

Get 10,000 bonus points when you spend at least $1,000 on your new card within the first 90 days.

No Annual FeeTravel Insurance
Annual fee$0per year
Top earn rate3xTravel
Bellwether Community Credit UnionCard

Smart Rewards Credit Card

Receive 5,000 points for $1,000+ spent in the first 90 days

No Annual FeeWelcome Bonus
Annual fee$0per year
Top earn rate1.5xOther
Truist BankVisa

Truist Enjoy Beyond

30,000 bonus points after you spend $1,500 on purchases within 90 days of account opening

No FX FeePremium
Annual fee$95per year
Top earn rate3xFlights
First National Bank of Omaha (FNBO / First Bankcard)Visa

Universal Rewards Visa Signature® Card

Earn $150 as a Statement Credit when you spend $250 within the first three billing cycles after your Universal Rewards Visa Signature Card account is open.

No Annual FeeRewards
Annual fee$0per year
Top earn rate2xqualifying Universal Purchases
Fairwinds Credit UnionVisa

Visa Signature Credit Card

Receive a welcome bonus of 60,000 points when you spend $5,000 in the first three months from account opening, a $900 travel value.

No FX FeeWelcome Bonus
Annual fee$95per year
Top earn rate5xtheme park tickets
Tower Federal Credit UnionMastercard

World Mastercard

$100 cash back when you spend $1,000 on purchases within the first three months of account opening.^

No Annual FeeWelcome Bonus
Annual fee$0per year
Top earn rate1.5%Not yet checked with Tower Federal Credit UnionOther
Coastal Community BankVisa

Aven Bitcoin Visa Card

Visa card issued by Coastal Community Bank.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rate2%Other
Coastal Community BankVisa

Aven Rewards Visa Card

Visa card issued by Coastal Community Bank.

Cash BackMetal Card
Annual fee$0per year
Top earn rate3%Other
BECU (Boeing Employees Credit Union)Visa

BECU Cash Back Credit Card

Visa card issued by BECU (Boeing Employees Credit Union).

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rate1.5%Other
Bilt RewardsMastercard

Bilt Blue Card

$100 of Bilt Cash when you apply and get approved

No Annual FeeRewards
Annual fee$0per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)Visa

Breeze Easy® Visa® Credit Card

Earn 40,000 bonus BreezePoints – that’s a $400 value, plus Breezy 1 benefits after spending $1,000 on purchases within the first 90 days.

AirlineBalance Transfer
Annual fee$89per year
Top earn rateNot confirmed

The full United States catalogue →

Questions

California: the short answers

Are there California rules that affect paying by credit card?

In 1985, California passed a law (Civil Code section 1748.1) that prohibited merchants from adding a surcharge (an extra fee) when customers pay by credit card instead of cash. (Source: California Department of Justice.)

Which card issuers do our California notes name?

SchoolsFirst Federal Credit Union: SchoolsFirst is a California-based institution servicing nearly 1.6 million members. (Source: Bankrate; Wikipedia — SchoolsFirst Federal Credit Union.) Golden 1 Credit Union was chartered in 1933. It serves nearly 1.2 million members and has more than $22 billion in total deposits. (Source: Bankrate.)

Which card issuers have branches in California?

Regional issuers in our catalogue with branches in California, with their branch count: Citibank / Citigroup (271), BMO (Bank of Montreal US / BMO Harris) (223), Fifth Third Bank (84), First Citizens Bank (54), San Diego County Credit Union (39), Patelco Credit Union (35), Mission Federal Credit Union (34), Wescom Central Credit Union (30), and 13 more. A branch is where an issuer is, not a limit on who may apply; each issuer's own page says who can. (Source: FDIC BankFind; NCUA call report.)