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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
Annual fee
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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.
JPMorgan Chase Bank№ 385

IHG One Rewards Traveler

Earn 80,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.

DiningEntertainment
Annual feeNot confirmed
Top earn rateNot confirmed
WebBank№ 386

Imagine Visa Credit Card

Visa card issued by WebBank.

Bills & UtilitiesCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Celtic Bank№ 387

Indigo Platinum Mastercard

Mastercard issued by Celtic Bank.

Credit BuildingPremium
Annual feeNot confirmed
Top earn rateNot confirmed
JPMorgan Chase Bank№ 388

Ink Business Cash®

New Cardmember Bonus – $750 Cash Back: To qualify, you must make $6,000 in purchases during the first 3 months from account opening.

BusinessCash Back
Annual fee$0per year
Top earn rateNot confirmed
JPMorgan Chase Bank№ 389

Ink Business Preferred®

Visa card issued by JPMorgan Chase Bank.

BusinessRewards
Annual fee$95per year
Top earn rateNot confirmed
JPMorgan Chase Bank№ 390

Ink Business Premier®

Mastercard issued by JPMorgan Chase Bank.

BusinessCash Back
Annual fee$195per year
Top earn rateNot confirmed
JPMorgan Chase Bank№ 391

Ink Business Unlimited®

Visa card issued by JPMorgan Chase Bank.

BusinessCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
SchoolsFirst Federal Credit Union№ 392

Inspire Mastercard

Mastercard issued by SchoolsFirst Federal Credit Union.

Credit BuildingLow Interest
Annual fee$0per year
Top earn rateNot confirmed
JPMorgan Chase Bank№ 393

Instacart Mastercard®

Get a $50 Instacart credit automatically upon approval

Cash BackDining
Annual fee$0per year
Top earn rateNot confirmed
Forcht Bank, National Association№ 395

iStudent Visa Card

Visa card issued by Forcht Bank, National Association.

Annual feeNot confirmed
Top earn rate1.5xNot yet checked with Forcht Bank, National Associationbook stores, school supplies, school expenses and sporting events
Synchrony Bank / Synchrony Financial№ 396

JCPenney Credit Card

Credit card issued by Synchrony Bank / Synchrony Financial.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Synchrony Bank / Synchrony Financial№ 397

JCPenney Mastercard

Mastercard issued by Synchrony Bank / Synchrony Financial.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 398

JetBlue Card

Mastercard issued by Barclays US (Barclays Bank Delaware).

AirlineBalance Transfer
Annual fee$0per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 399

JetBlue Plus Card

Mastercard issued by Barclays US (Barclays Bank Delaware).

AirlineBalance Transfer
Annual fee$99per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 400

JetBlue Premier Card

Mastercard issued by Barclays US (Barclays Bank Delaware).

AirlineBalance Transfer
Annual feeNot confirmed
Top earn rateNot confirmed
Jonah Bank Of Wyoming№ 403

Jonah Bank Platinum Card

Credit card issued by Jonah Bank Of Wyoming.

No Annual FeeNo FX Fee
Annual fee$0per year
Top earn rateNot confirmed
Jonah Bank Of Wyoming№ 404

Jonah Bank Platinum Rewards Card

Credit card issued by Jonah Bank Of Wyoming.

No FX FeePremium
Annual fee$50per year
Top earn rateNot confirmed
Joplin Metro Credit Union№ 405

JOPLIN METRO CREDIT UNION CLASSIC VISA

Visa card issued by Joplin Metro Credit Union.

Low InterestNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Joplin Metro Credit Union№ 408

JOPLIN METRO CREDIT UNION SECURED VISA

Visa card issued by Joplin Metro Credit Union.

No Credit HistoryNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Cross River Bank№ 411

Karat Max (3X Rewards Card)

Visa card issued by Cross River Bank.

BusinessRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Cross River Bank№ 412

Karat Visa® Business Card

Visa card issued by Cross River Bank.

BusinessSmall Business
Annual feeNot confirmed
Top earn rateNot confirmed
Bread Financial (Comenity Bank)№ 413

Kay Jewelers Credit Card

Credit card issued by Bread Financial (Comenity Bank).

Annual feeNot confirmed
Top earn rateNot confirmed
KeyBank№ 414

Key Cashback® Credit Card

Mastercard issued by KeyBank.

Cash Back
Annual feeNot confirmed
Top earn rateNot confirmed
KeyBank№ 415

Key Secured Credit Card®

Mastercard issued by KeyBank.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
KeyBank№ 417

KeyBank Business Card

Mastercard issued by KeyBank.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
WebBank№ 422

Klarna Card

Visa card issued by WebBank.

Annual feeNot confirmed
Top earn rateNot confirmed
Capital One№ 423

Kohl's Rewards Visa

Visa card issued by Capital One.

RewardsStore & Retail
Annual feeNot confirmed
Top earn rate7.5%Kohl’s purchases
Citibank / Citigroup№ 424

L.L.Bean® Mastercard®

Mastercard issued by Citibank / Citigroup.

DiningRewards
Annual feeNot confirmed
Top earn rate5%L.L.Bean
Bread Financial (Comenity Bank)№ 425

Lane Bryant Credit Card

Credit card issued by Bread Financial (Comenity Bank).

Annual feeNot confirmed
Top earn rateNot confirmed
Langley Federal Credit Union№ 426

Langley Federal Credit Union Select Visa

Visa card issued by Langley Federal Credit Union.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Cardless, Inc.№ 427

LATAM Airlines Mastercard

Mastercard issued by Cardless, Inc..

AirlineNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Consumers Credit Union№ 431

Low Rate Mastercard®

Mastercard issued by Consumers Credit Union.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Kirtland Federal Credit Union№ 432

Low Rate VISA Platinum Card

Visa card issued by Kirtland Federal Credit Union.

Low InterestNo FX Fee
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.