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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.
Apple Federal Credit Union№ 290

Educator Visa

Visa card issued by Apple Federal Credit Union.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Consumers Credit Union№ 291

Elevate Starter Credit Card

Mastercard issued by Consumers Credit Union.

Credit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Visions Federal Credit Union№ 292

Elite Visa Signature

Visa card issued by Visions Federal Credit Union.

No Annual FeeTravel Insurance
Annual fee$0per year
Top earn rateNot confirmed
Founders Federal Credit Union№ 296

Essential

Credit card issued by Founders Federal Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Virginia Credit Union№ 297

Essential Mastercard

Mastercard issued by Virginia Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
First National Bank of Omaha (FNBO / First Bankcard)№ 298

Evergreen® Business Edition® Credit Card

$200 cash bonus (20,000 points equivalent) when you spend $3,000 within the first 3 billing cycles after account is opened.2

BusinessCash Back
Annual feeNot confirmed
Top earn rate2%Other
First National Bank of Omaha (FNBO / First Bankcard)№ 299

Evergreen® Credit Card

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

Cash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Farm Bureau Bank Fsb№ 304

Farm Bureau Member Rewards Mastercard

Receive 10,000 reward points after $500 is spent on purchases in the first 90 days1

No Annual FeeNo FX Fee
Annual fee$0per year
Top earn rateNot confirmed
Justice Federal Credit Union№ 305

FBI-LEEDA 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 Union№ 306

FBINAA VISA Rewards

Visa card issued by Justice Federal Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Fifth Third Bank№ 308

Fifth Third 1.67% Cash/Back Card

Mastercard issued by Fifth Third Bank.

Cash BackRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Fifth Third Bank№ 309

Fifth Third 1% Cash/Back Card

Mastercard issued by Fifth Third Bank.

Cash BackNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Fifth Third Bank№ 311

Fifth Third Commercial Card

Credit card issued by Fifth Third Bank.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Fifth Third Bank№ 315

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 Bank№ 316

Fifth Third Simply Business Card

Mastercard issued by Fifth Third Bank.

BusinessCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
First State Bank№ 321

First State Bank Credit Card

Credit card issued by First State Bank.

Annual feeNot confirmed
Top earn rateNot confirmed
Firstmark Credit Union№ 322

Firstmark ONE Visa Platinum Rewards

Credit card issued by Firstmark Credit Union.

No Annual FeeNo FX Fee
Annual fee$0per year
Top earn rateNot confirmed
Continental Finance№ 323

Fit Mastercard®

Mastercard issued by Continental Finance.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Virginia Credit Union№ 324

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
Celtic Bank№ 325

Fold Bitcoin Credit Card

Visa card issued by Celtic Bank.

Cash BackNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Bethpage Federal Credit Union№ 326

FourLeaf Rewards Points Credit Card

Mastercard issued by Bethpage Federal Credit Union.

PointsRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 327

FRONTIER Airlines World Mastercard®

Mastercard issued by Barclays US (Barclays Bank Delaware).

AirlineBalance Transfer
Annual fee$99per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 328

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
Vystar Credit Union№ 329

Gators Visa Platinum

Visa card issued by Vystar Credit Union.

Low InterestPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Vystar Credit Union№ 330

Gators Visa Signature Cash Back

Visa card issued by Vystar Credit Union.

Cash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Gundersen Credit Union№ 331

GCU VISA Credit Card

Credit card issued by Gundersen Credit Union.

Low InterestNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
WebBank№ 334

Gemini Credit Card

Mastercard issued by WebBank.

No Annual FeeNo FX Fee
Annual fee$0per year
Top earn rateNot confirmed
Genisys Credit Union№ 335

Genisys Credit Rewards Mastercard

Mastercard issued by Genisys Credit Union.

No Annual FeeTravel Insurance
Annual fee$0per year
Top earn rate1xOther
Genisys Credit Union№ 336

Genisys Platinum Credit Mastercard

Mastercard issued by Genisys Credit Union.

Low InterestPremium
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.