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State · US-NC

Credit cards in North Carolina

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

*we hold no sourced notes specific to North Carolina yet, so this page lists cards only.

949
cards in the United States catalogue not limited elsewhere
17
regional issuers with branches here
17 regional networks

Card issuers with branches in North Carolina

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

State Employees' Credit Union (SECU)

275 branches in North Carolina

NCUA's 2026-06 call-report branch file lists 275 offices with member services of "STATE EMPLOYEES'" (charter 66310) in North Carolina, out of 275 offices with member services in 1 state.

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

State Employees' Credit Union (SECU) · 3 on file

State Employees' Credit Union (SECU)Visa

Points Rewards Visa® Credit Card

Visa card issued by State Employees' Credit Union (SECU).

PointsRewards
Annual feeNot confirmed
Top earn rate3xGas & Fuel
State Employees' Credit Union (SECU)Visa

Cash Rewards Visa® Credit Card

Visa card issued by State Employees' Credit Union (SECU).

Cash BackRewards
Annual feeNot confirmed
Top earn rateNot confirmed
State Employees' Credit Union (SECU)Visa

Classic Visa® Credit Card

Visa card issued by State Employees' Credit Union (SECU).

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Regional network

Truist Bank

273 branches in North Carolina

FDIC BankFind lists 273 full-service offices of "Truist Bank" (CERT 9846) in North Carolina, out of 1,908 full-service offices in 18 states.

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

Truist Bank · 11 on file

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
Truist BankVisa

Truist Business Premium Credit Card

Earn $1,000 in bonus rewards after you spend $15,000 on purchases in the first 90 days after account opening.

BusinessNo FX Fee
Annual fee$299per year
Top earn rateNot confirmed
Truist BankVisa

Truist Business Credit Card

Visa card issued by Truist Bank.

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

First Citizens Bank

194 branches in North Carolina

FDIC BankFind lists 194 full-service offices of "First-Citizens Bank & Trust Company" (CERT 11063) in North Carolina, 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.

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.

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

Fifth Third Bank

87 branches in North Carolina

FDIC BankFind lists 87 full-service offices of "Fifth Third Bank, National Association" (CERT 6672) in North Carolina, 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

Truliant Federal Credit Union

30 branches in North Carolina

NCUA's 2026-06 call-report branch file lists 30 offices with member services of "TRULIANT" (charter 7840) in North Carolina, out of 38 offices with member services in 3 states.

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

Truliant Federal Credit Union · 3 on file

Truliant Federal Credit UnionCard

MaxBack Cash Card

Credit card issued by Truliant Federal Credit Union.

Annual feeNot confirmed
Top earn rateNot confirmed
Truliant Federal Credit UnionCard

Radiant

Credit card issued by Truliant Federal Credit Union.

Annual feeNot confirmed
Top earn rateNot confirmed
Truliant Federal Credit UnionCard

Soar Secured

Credit card issued by Truliant Federal Credit Union.

Secured
Annual feeNot confirmed
Top earn rateNot confirmed
Regional network

TD Bank (TD Bank USA)

16 branches in North Carolina

FDIC BankFind lists 16 full-service offices of "TD Bank, National Association" (CERT 18409) in North Carolina, out of 1,046 full-service offices in 16 states.

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

TD Bank (TD Bank USA) · 10 on file

TD Bank (TD Bank USA)Visa

TD Cash Credit Card

Visa card issued by TD Bank (TD Bank USA).

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
TD Bank (TD Bank USA)Visa

TD Cash Secured Credit Card

Visa card issued by TD Bank (TD Bank USA).

SecuredCredit Building
Annual fee$29per year
Top earn rateNot confirmed
Regional network

Latino Community Credit Union

15 branches in North Carolina

NCUA's 2026-06 call-report branch file lists 15 offices with member services of "LATINO COMMUNITY" (charter 68430) in North Carolina, out of 15 offices with member services in 1 state.

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

Latino Community Credit Union · 2 on file

Latino Community Credit UnionVisa

VISA Credit Card

Visa card issued by Latino Community Credit Union.

Annual feeNot confirmed
Top earn rateNot confirmed
Regional network

Huntington Bank

7 branches in North Carolina

FDIC BankFind lists 7 full-service offices of "The Huntington National Bank" (CERT 6560) in North Carolina, out of 1,407 full-service offices in 21 states.

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

Huntington Bank · 7 on file

Huntington BankMastercard

Huntington Cashback Credit Card

Mastercard issued by Huntington Bank.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Huntington BankMastercard

Huntington Secured Credit Card

Mastercard issued by Huntington Bank.

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

Regions Bank

6 branches in North Carolina

FDIC BankFind lists 6 full-service offices of "Regions Bank" (CERT 12368) in North Carolina, out of 1,221 full-service offices in 15 states.

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

Regions Bank · 6 on file

Regional network

Electel Cooperative Federal Credit Union

5 branches in North Carolina

NCUA's 2026-06 call-report branch file lists 5 offices with member services of "ELECTEL COOPERATIVE" (charter 24819) in North Carolina, out of 5 offices with member services in 1 state.

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

Electel Cooperative Federal Credit Union · 1 on file

Electel Cooperative Federal Credit UnionCard

Platinum Visa Credit Card

Credit card issued by Electel Cooperative Federal Credit Union.

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

Founders Federal Credit Union

5 branches in North Carolina

NCUA's 2026-06 call-report branch file lists 5 offices with member services of "FOUNDERS" (charter 24063) in North Carolina, out of 47 offices with member services in 2 states.

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

Founders Federal Credit Union · 1 on file

Founders Federal Credit UnionCard

Essential

Credit card issued by Founders Federal Credit Union.

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

Carolina Cooperative Federal Credit Union

3 branches in North Carolina

NCUA's 2026-06 call-report branch file lists 3 offices with member services of "CAROLINA COOPERATIVE" (charter 24801) in North Carolina, out of 3 offices with member services in 1 state.

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

Carolina Cooperative Federal Credit Union · 3 on file

Regional network

Langley Federal Credit Union

2 branches in North Carolina

NCUA's 2026-06 call-report branch file lists 2 offices with member services of "LANGLEY" (charter 1261) in North Carolina, out of 21 offices with member services in 2 states.

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

Langley Federal Credit Union · 1 on file

Langley Federal Credit UnionVisa

Langley Federal Credit Union Select Visa

Visa card issued by Langley Federal Credit Union.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Regional network

Communityamerica Federal Credit Union

1 branch in North Carolina

NCUA's 2026-06 call-report branch file lists 1 office with member services of "COMMUNITYAMERICA" (charter 15732) in North Carolina, 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

Credit Human

1 branch in North Carolina

NCUA's 2026-06 call-report branch file lists 1 office with member services of "CREDIT HUMAN" (charter 24382) in North Carolina, out of 30 offices with member services in 4 states.

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

Credit Human · 2 on file

Credit HumanMastercard

Rate Preferred Mastercard

Mastercard issued by Credit Human.

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

Pentagon Federal Credit Union (PenFed)

1 branch in North Carolina

NCUA's 2026-06 call-report branch file lists 1 office with member services of "PENTAGON" (charter 227) in North Carolina, out of 38 offices with member services in 13 states.

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

Pentagon Federal Credit Union (PenFed) · 5 on file

Pentagon Federal Credit Union (PenFed)Visa

PenFed Gold Visa® Card

Visa card issued by Pentagon Federal Credit Union (PenFed).

Low InterestNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Regional network

Proponent Federal Credit Union

1 branch in North Carolina

NCUA's 2026-06 call-report branch file lists 1 office with member services of "PROPONENT" (charter 20448) in North Carolina, out of 2 offices with member services in 2 states.

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

Proponent Federal Credit Union · 1 on file

Proponent Federal Credit UnionVisa

Proponent Visa

Visa card issued by Proponent Federal Credit Union.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
National network

Wells Fargo

198 branches in North Carolina

FDIC BankFind lists 198 full-service offices of "Wells Fargo Bank, National Association" (CERT 3511) in North Carolina, 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

104 branches in North Carolina

FDIC BankFind lists 104 full-service offices of "Bank of America, National Association" (CERT 3510) in North Carolina, 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

PNC Bank

102 branches in North Carolina

FDIC BankFind lists 102 full-service offices of "PNC Bank, National Association" (CERT 6384) in North Carolina, 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

JPMorgan Chase Bank

65 branches in North Carolina

FDIC BankFind lists 65 full-service offices of "JPMorgan Chase Bank, National Association" (CERT 628) in North Carolina, 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

Navy Federal Credit Union

16 branches in North Carolina

NCUA's 2026-06 call-report branch file lists 16 offices with member services of "NAVY FEDERAL CREDIT UNION" (charter 5536) in North Carolina, 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 feeNot confirmed
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

U.S. Bank

7 branches in North Carolina

FDIC BankFind lists 7 full-service offices of "U.S. Bank National Association" (CERT 6548) in North Carolina, 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
By city

Cities in North Carolina

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

Charlotte · 11Raleigh · 10Greensboro · 7Monroe · 7Winston Salem · 6Asheville · 5Burlington · 5Cary · 5Durham · 5High Point · 5Huntersville · 5Kernersville · 5Mint Hill · 5Wilmington · 5
The ledger

Other cards in the United States

Showing 24 of 749
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®

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
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®

Welcome bonus | 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
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
Barclays US (Barclays Bank Delaware)Mastercard

Old Navy Encore Mastercard®

Welcome bonus | 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
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
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
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
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

North Carolina: the short answers

Which card issuers have branches in North Carolina?

Regional issuers in our catalogue with branches in North Carolina, with their branch count: State Employees' Credit Union (SECU) (275), Truist Bank (273), First Citizens Bank (194), Fifth Third Bank (87), Truliant Federal Credit Union (30), TD Bank (TD Bank USA) (16), Latino Community Credit Union (15), Huntington Bank (7), and 9 more. A branch is where an issuer is, not a limit on who may apply; each issuer's own page says who can. (Source: NCUA call report; FDIC BankFind.)