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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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Network
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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.
Capital One№ 148

Capital One Venture Business

Visa card issued by Capital One.

BusinessRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Capital One№ 149

Capital One Venture Rewards

Visa card issued by Capital One.

RewardsTravel
Annual feeNot confirmed
Top earn rateNot confirmed
Capital One№ 150

Capital One Venture X Business

Visa card issued by Capital One.

BusinessLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Capital One№ 152

Capital One VentureOne Business

Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.

BusinessNo FX Fee
Annual feeNot confirmed
Top earn rate5xhotels, vacation rentals and rentals cars booked through Capital One Business Travel
Capital One№ 153

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
Capital One№ 155

Capital One West Elm Key Rewards Visa

New cardmembers earn 10% back in rewards for Net Eligible purchases made at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham (excludes GreenRow and Dormify) during the first 30 days from account opening, 5% thereafter.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Capital One№ 156

Capital One Williams Sonoma Key Rewards Visa

New cardmembers earn 10% back in rewards for Net Eligible purchases made at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham (excludes GreenRow and Dormify) during the first 30 days from account opening, 5% thereafter.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 157

Capital Vacations® World Mastercard®

Earn 5,000 Bonus Rewards after making your first purchase

Balance TransferNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Synchrony Bank / Synchrony Financial№ 158

CareCredit Credit Card

Credit card issued by Synchrony Bank / Synchrony Financial.

No Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Synchrony Bank / Synchrony Financial№ 159

CareCredit Rewards Mastercard

Mastercard issued by Synchrony Bank / Synchrony Financial.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 160

Carnival® World Mastercard®

Mastercard issued by Barclays US (Barclays Bank Delaware).

DiningGroceries
Annual feeNot confirmed
Top earn rateNot confirmed
Mountain America Credit Union№ 164

Cash Back Card

Visa card issued by Mountain America Credit Union.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rate1.5%Other
Consumers Credit Union№ 165

Cash Back Mastercard®

Mastercard issued by Consumers Credit Union.

Cash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Community First Credit Union№ 166

Cash Back Visa Signature Credit Card

Visa card issued by Community First Credit Union.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
American Express№ 167

Cash Magnet Card

Amex card issued by American Express.

Cash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Kirtland Federal Credit Union№ 168

Cash Rebate VISA Platinum Card

Visa card issued by Kirtland Federal Credit Union.

Low InterestNo FX Fee
Annual feeNot confirmed
Top earn rate1.5%Not yet checked with Kirtland Federal Credit UnionOther
First Citizens Bank№ 169

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 Bank№ 170

Cash Rewards Credit Card

Credit card issued by First Citizens Bank.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rate1.5%Other
Fifth Third Bank№ 171

Cash Rewards Credit Card

Credit card issued by Fifth Third Bank.

Cash BackRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Citadel Credit Union№ 172

Cash Rewards Mastercard

Mastercard issued by Citadel Credit Union.

Balance Transfer0% Intro Purchases
Annual feeNot confirmed
Top earn rate1.5%Other
Virginia Credit Union№ 173

Cash Rewards Mastercard

Mastercard issued by Virginia Credit Union.

No Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Stride Bank№ 174

Cash Rewards Platinum

Visa card issued by Stride Bank.

Cash BackPremium
Annual feeNot confirmed
Top earn rate1%Other
State Employees' Credit Union (SECU)№ 176

Cash Rewards Visa® Credit Card

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

Cash BackRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Navy Federal Credit Union№ 177

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 Union№ 178

cashRewards Plus

Visa card issued by Navy Federal Credit Union.

Cash BackRewards
Annual feeNot confirmed
Top earn rate2%Other
Navy Federal Credit Union№ 179

cashRewards Secured Credit Card

Visa card issued by Navy Federal Credit Union.

No FX FeeRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Century Bank№ 181

Century Bank Consumer Visa

Visa card issued by Century Bank.

No FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Continental Finance№ 182

Cerulean Mastercard®

Mastercard issued by Continental Finance.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Champion Credit Union№ 183

Champion Credit Union Visa Platinum

Visa card issued by Champion Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Champion Credit Union№ 184

Champion Credit Union Visa Platinum Rewards

Visa card issued by Champion Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rate1xNot yet checked with Champion Credit UnionOther
JPMorgan Chase Bank№ 185

Chase Freedom Flex®

Mastercard issued by JPMorgan Chase Bank.

Balance TransferCash Back
Annual fee$0per year
Top earn rateNot confirmed
JPMorgan Chase Bank№ 186

Chase Freedom Rise®

Visa card issued by JPMorgan Chase Bank.

Credit BuildingDining
Annual fee$0per year
Top earn rate1.5%Other
JPMorgan Chase Bank№ 187

Chase Freedom Unlimited®

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.*

Balance TransferCash Back
Annual feeNot confirmed
Top earn rate5%travel purchased through Chase TravelSM
JPMorgan Chase Bank№ 188

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 Bank№ 189

Chase Sapphire Reserve for Business

New Cardmember Bonus – 200,000 Points: To qualify, you must make $30,000 in purchases during the first 6 months from account opening.

BusinessLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
JPMorgan Chase Bank№ 190

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
Chiropractic Federal Credit Union№ 192

Chiropractic Federal Credit Union VISA

Visa card issued by Chiropractic Federal Credit Union.

Low Interest
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.