Skip to content
★ 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
Search
Network
Annual fee
Sort
Filtering on fee uses the figure on record. A card with no fee on record shows a blank on its tile, not a price.
Wells Fargo№ 529

One Key™ Card

Mastercard issued by Wells Fargo.

DiningGas & Fuel
Annual feeNot confirmed
Top earn rateNot confirmed
Synchrony Bank / Synchrony Financial№ 532

OnePay CashRewards Mastercard

Mastercard issued by Synchrony Bank / Synchrony Financial.

Cash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Capital Bank N.A.№ 538

OpenSky® Visa® Gold Card

Visa card issued by Capital Bank N.A..

Secured
Annual feeNot confirmed
Top earn rateNot confirmed
Forcht Bank, National Association№ 543

Passport Visa Card

Visa card issued by Forcht Bank, National Association.

Annual feeNot confirmed
Top earn rateNot confirmed
Synchrony Bank / Synchrony Financial№ 545

PayPal Credit

Credit card issued by Synchrony Bank / Synchrony Financial.

Annual feeNot confirmed
Top earn rateNot confirmed
Pentagon Federal Credit Union (PenFed)№ 547

PenFed Gold Visa® Card

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

Low InterestNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Pentagon Federal Credit Union (PenFed)№ 549

PenFed Platinum Rewards Visa Signature Card

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

PointsPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Pentagon Federal Credit Union (PenFed)№ 551

PenFed Promise Visa® Card

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

Secured
Annual feeNot confirmed
Top earn rateNot confirmed
Celtic Bank№ 554

Perpay Credit Card

Mastercard issued by Celtic Bank.

SecuredCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Petal Card№ 556

Petal 1 Rise Visa Credit Card

Visa card issued by Petal Card.

Credit BuildingCash Back
Annual fee$59per year
Top earn rateNot confirmed
Petal Card№ 557

Petal 2 Visa Credit Card

Visa card issued by Petal Card.

Credit BuildingCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Suncoast Credit Union№ 558

Platinum Cash Back Visa

Visa card issued by Suncoast Credit Union.

Cash BackPremium
Annual feeNot confirmed
Top earn rateNot confirmed
American Heritage Credit Union№ 559

Platinum Classic Mastercard

Mastercard issued by American Heritage Credit Union.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Nusenda Credit Union№ 560

Platinum Credit Card

Credit card issued by Nusenda Credit Union.

Balance TransferNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Navy Federal Credit Union№ 561

Platinum Credit Card

Visa card issued by Navy Federal Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Stride Bank№ 562

Platinum Edition

Visa card issued by Stride Bank.

Low InterestPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Lake Trust Credit Union№ 563

Platinum Elite Visa

Credit card issued by Lake Trust Credit Union.

Fair CreditPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Logix Federal Credit Union№ 564

Platinum Mastercard

Mastercard issued by Logix Federal Credit Union.

Low InterestPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Harvard Federal Credit Union№ 565

Platinum MasterCard

Mastercard issued by Harvard Federal Credit Union.

No Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
First Tech Federal Credit Union№ 566

Platinum Mastercard®

Mastercard issued by First Tech Federal Credit Union.

Low InterestPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Golden 1 Credit Union№ 568

Platinum Rewards for Students

Visa card issued by Golden 1 Credit Union.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
First Tech Federal Credit Union№ 569

Platinum Rewards Mastercard®

Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Andrews Federal Credit Union№ 570

Platinum Rewards Secured Visa

Visa card issued by Andrews Federal Credit Union.

No Annual FeeNo FX Fee
Annual fee$0per year
Top earn rateNot confirmed
Wright-Patt Credit Union№ 571

Platinum Rewards Visa Credit Card

Visa card issued by Wright-Patt Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Harvard Federal Credit Union№ 572

Platinum Rewards+ MasterCard

Mastercard issued by Harvard Federal Credit Union.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
American Heritage Credit Union№ 573

Platinum Secured Mastercard

Mastercard issued by American Heritage Credit Union.

Balance TransferPremium
Annual feeNot confirmed
Top earn rateNot confirmed
First Tech Federal Credit Union№ 574

Platinum Secured Mastercard®

Mastercard issued by First Tech Federal Credit Union.

Credit BuildingLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
OnPoint Community Credit Union№ 575

Platinum Visa

Visa card issued by OnPoint Community Credit Union.

Low InterestPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Municipal Credit Union№ 576

Platinum Visa

Visa card issued by Municipal Credit Union.

No Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
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.