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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.
Avadian Credit Union№ 51

Avadian Visa Rewards Card

Visa card issued by Avadian Credit Union.

Annual feeNot confirmed
Top earn rateNot confirmed
WebBank№ 52

Avant Credit Card

Mastercard issued by WebBank.

Credit BuildingSecured
Annual feeNot confirmed
Top earn rateNot confirmed
Coastal Community Bank№ 54

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 Bank№ 55

Aven Flex / Cash Card

Visa card issued by Coastal Community Bank.

Secured
Annual feeNot confirmed
Top earn rateNot confirmed
Coastal Community Bank№ 56

Aven Home Equity Visa Card

Visa card issued by Coastal Community Bank.

No Annual FeeRewards
Annual fee$0per year
Top earn rateNot confirmed
Coastal Community Bank№ 57

Aven Rewards Visa Card

Visa card issued by Coastal Community Bank.

Cash BackMetal Card
Annual fee$0per year
Top earn rate3%Other
Barclays US (Barclays Bank Delaware)№ 60

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
Bank of America№ 73

BankAmericard® Credit Card

Visa card issued by Bank of America.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
BECU (Boeing Employees Credit Union)№ 76

BECU Business Cash Back Credit Card

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

BusinessCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
BECU (Boeing Employees Credit Union)№ 77

BECU Business Low Rate Credit Card

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

BusinessLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
BECU (Boeing Employees Credit Union)№ 78

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
BECU (Boeing Employees Credit Union)№ 79

BECU Low Rate Credit Card

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

Low InterestNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Synchrony Bank / Synchrony Financial№ 80

Belk Rewards+ Mastercard

Mastercard issued by Synchrony Bank / Synchrony Financial.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
First National Bank of Omaha (FNBO / First Bankcard)№ 81

Best Western Business Card

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

BusinessHotel
Annual feeNot confirmed
Top earn rateNot confirmed
Synchrony Bank / Synchrony Financial№ 84

Big Lots Credit Card

Credit card issued by Synchrony Bank / Synchrony Financial.

Annual feeNot confirmed
Top earn rateNot confirmed
Cross River Bank№ 85

BILL Divvy Corporate Card

Visa card issued by Cross River Bank.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Bilt Rewards№ 86

Bilt Blue Card

$100 of Bilt Cash when you apply and get approved

No Annual FeeRewards
Annual fee$0per year
Top earn rateNot confirmed
Bilt Rewards№ 87

Bilt Obsidian Card

Mastercard issued by Bilt Rewards.

No FX FeeRewards
Annual fee$95per year
Top earn rateNot confirmed
Bilt Rewards№ 88

Bilt Palladium Card

Mastercard issued by Bilt Rewards.

Lounge AccessNo FX Fee
Annual fee$495per year
Top earn rateNot confirmed
Citibank / Citigroup№ 89

Bloomingdale's Credit Cards

Credit card issued by Citibank / Citigroup.

Annual feeNot confirmed
Top earn rateNot confirmed
Blue Ridge Bank, National Association№ 94

Blue Ridge Bank, National Association Edge Consumer

Welcome bonus of $100 when you spend $1,000 on your Edge credit card in the first 90 days*.

Travel Insurance0% Intro Purchases
Annual feeNot confirmed
Top earn rateNot confirmed
BMO (Bank of Montreal US / BMO Harris)№ 96

BMO Boost Secured Credit Card

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

Secured
Annual feeNot confirmed
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.