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Choosing a Credit Card. Illustration of a card holder filled with credit cards with various credit cards behind it.

Survey of Credit Card Plans

Every six months the Federal Reserve System surveys the terms of credit card plans offered by financial institutions and publishes a report of the findings. The report includes information from the largest credit card issuers in the country as well as other financial institutions that wish to participate in the survey. The credit terms shown in the accompanying list are as of July 31, 2009, and are subject to change. You should contact issuers for current rates and to learn about other credit card plans.

 

 

You can download historical data from the semi-annual survey of Credit Card Plans available from 1990.  Information is collected in this survey on Form 2572. The survey was initiated on January 31, 1990; it was discontinued prior to the July 2000 reporting date pursuant to the Federal Reports Elimination and Sunset Act of 1995.  The American Homeownership and Economic Opportunity Act of 2000 reinstated the survey, which began again in July 2002.

Microsoft Excel (69 MB)
CSV format:
Data List (5 KB) | January 31, 1990 - July 31, 1994 (6 MB) |
January 31, 1995 - January 31, 2000 (15 MB) | July 31, 2000 - Present (12 MB)

Survey Report by Annual Fee
July 31, 2009

Key to codes used in survey (will open a new window)

Sorted by Financial Institution | Sorted by Annual Percentage Rate

Institution Availability and Credit Card Plan Annual Percentage Rate Type of Pricing Index Grace Period (days) Annual Fee Other Features Telephone
FIRST COMMAND BANK N - VISA PLATINUM 4.25 V 1 30 0 2,4,6 (888) 763-7600
FIRST TENNESSEE BANK NATIONAL ASSOCIATION MEMPHIS R - VISA 5.15 V 1 25 0 4,6,9 (800) 234-2840
CNB BANK N - VISA GOLD 5.25 V 1 30 0 2,3,4,5,6,8,10 (800) 492-3221
NORTH SIDE BANK AND TRUST COMPANY, THE R - VISA 6.25 V 1 25 0 3,6,10 (513) 542-7800
FRANKLIN TEMPLETON BANK & TRUST F.S.B. N - PLATINUM MASTERCARD 6.74 V 1 25 0 2,3,4,6,10 (800) 238-2761
COLUMBUS BANK AND TRUST COMPANY N - PLATINUM 7.15 V 1 25 0 N.R. (800) 543-8227
FIRST COMMERCIAL BANK AL - VISA PLATINUM 7.15 V 1 20 0 N.R. (800) 543-8227
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION N - VISA 7.15 V 1 25 0 N.R. (800) 768-3248
FIRSTMERIT BANK, N.A. R - VISA PLATINUM 7.24 V 1 25 0 2,4,6,9 (888) 554-4362
NATIONWIDE BANK N - NWC PLATINUM 7.24 V 1 25 0 1,2,6,7,9 (866) 757-2720
MORTON COMMUNITY BANK N - VISA GOLD 7.25 V 1 25 0 N.R. (309) 266-5337
RBC BANK (USA) R - VISA BUSINESS PLATINUM 7.25 V 1 25 0 2,3,4,6 (888) 257-6837
SIMMONS FIRST NATIONAL BANK OF PINE BLUFF N - VISA 7.25 F 0 25 0 4 (800) 272-2102
SUNFLOWER BANK, NATIONAL ASSOCIATION N - VISA 7.65 V 1 25 0 3,4,6 (888) 827-5564
TOWN NORTH BANK NEVADA, NATIONAL ASSOCIATION N - MASTERCARD 7.99 V 9 25 0 4,9 (800) 820-8417
FIRST-CITIZENS BANK & TRUST COMPANY R - VISA GOLD 8.00 V 1 25 0 4,10 (840) 561-4707
IRONSTONE BANK R - VISA GOLD 8.00 V 1 25 0 4,10 (540) 561-4707
NEWBRIDGE BANK NC - VISA CLASSIC 8.00 V 1 25 0 10 (336) 224-5300
BB&T FINANCIAL, FSB R - VISA 8.15 V 1 25 0 N.R. (800) 476-4228
FIRST CITIZENS BANK AND TRUST COMPANY, INC. R - VISA 8.15 V 1 25 0 4,6,10 (888) 612-4444
M&I BANK FSB R - VISA CONSUMER 8.24 V 1 25 0 N.R. (800) 642-2657
PARK BANK, THE WI - VISA PLATINUM SCORECARD 8.24 V 1 25 0 2,3,4,5,6,8,9,10 (800) 359-7275
BANK OF KENTUCKY, INCORPORATED, THE R - VISA GOLD 8.25 V 1 25 0 4,9 (859) 372-5170
REPUBLIC BANK & TRUST COMPANY KY - VISA 8.45 V 1 25 0 2,3,4,6,9 (888) 584-3600
FIRST FINANCIAL BANK, NATIONAL ASSOCIATION R - MASTERCARD CLASSIC 8.50 V 1 25 0 N.R. (800) 221-8090
AMEGY BANK, NATIONAL ASSOCIATION TX - VISA PLATINUM 8.75 V 1 25 0 2,4,6 (800) 494-1698
HILLS BANK AND TRUST COMPANY IA - VISA PLATINUM 8.75 V 1 25 0 4,6,9 (800) 445-5725
BANCORPSOUTH BANK R - MASTERCARD 8.90 V 1 30 0 N.R. (800) 844-2723
WACHOVIA BANK, NATIONAL ASSOCIATION N - VISA PLATINUM WITH REWARDS 8.99 V 1 25 0 9,10 (800) 922-4684
UMB BANK, NATIONAL ASSOCIATION N - VISA - PLATINUM 9.15 V 1 20 0 4,6,9 (800) 821-5184
BANKERS' BANK OF KANSAS, NATIONAL ASSOCIATION R - VISA 9.17 V 1 25 0 4,6 (800) 675-6284
QUAD CITY BANK AND TRUST COMPANY R - VISA CLASSIC 9.20 V 1 25 0 4,6,10 (877) 954-0190
AMALGAMATED BANK OF CHICAGO N - AMALGAMATED BANK OF CHICAGO - MASTER 9.25 V 1 25 0 1,3,6,10 (800) 365-6464
ROCKPORT NATIONAL BANK R - MASTERCARD 9.25 V 1 25 0 N.R. (978) 546-3411
UNITED BANK, INC. R - VISA 9.25 V 1 25 0 1 (800) 242-7600
WHITNEY NATIONAL BANK R - VISA 9.25 V 1 25 0 N.R. (800) 326-3501
RBC BANK (GEORGIA) R - VISA GOLD 9.74 V 1 21 0 N.R. (888) 257-6837
AMERICAN STATE BANK TX - AMERICAN STATE BANK VISA 9.90 F 0 25 0 N.R. (800) 725-2006
BANK OF LOUISIANA N - VISA AND MASTERCARD 9.90 F 0 25 0 N.R. (800) 353-6454
PALOS BANK AND TRUST COMPANY IL - VISA 9.90 F 0 30 0 N.R. (800) 824-4945
BANK OF CANTON, THE MA - VISA CLASSIC 9.96 F 0 25 0 4,5,6,8,10 (888) 828-1690
LIBERTY BANK AND TRUST COMPANY N - VISA 9.96 F 0 24 0 N.R. (800) 883-3943
FIRST SECURITY BANK AR - VISA 9.99 F 0 25 0 1,3,4,6 (501) 279-3400
NEWFIELD NATIONAL BANK NJ - VISA 9.99 F 0 25 0 2,4,5,9,10 (800) 690-3440
MERCANTIL COMMERCEBANK NATIONAL ASSOCIATION FL - VISA PT. PLATINUM 10.00 F 0 25 0 N.R. (866) 208-6610
HAWTHORN BANK MO - MASTERCARD PLATINUM 10.15 V 1 25 0 N.R. (800) 761-8362
AMERICAN EXPRESS CENTURION BANK N - BLUE FROM AMERICAN EXPRESS 10.24 V 1 25 0 2,3,4,5,6,9,10 (800) 528-4800
DOLLAR BANK, A FEDERAL SAVINGS BANK R - VALUED CUSTOMER VISA 10.24 V 1 25 0 1,6,9 (800) 447-2823
U.S. BANK NATIONAL ASSOCIATION ND R - VISA 10.24 V 1 25 0 9 (800) 285-8585
OHIO VALLEY BANK COMPANY, THE R - VISA 10.25 V 1 25 0 N.R. (740) 441-9148
INTRUST BANK, NATIONAL ASSOCIATION N - VISA PLATINUM 10.90 V 1 25 0 N.R. (800) 222-7458
NORDSTROM FSB N - VISA 10.90 V 1 25 0 3,4,6,10 (800) 964-1800
PEOPLES FIRST COMMUNITY BANK FL - MASTERCARD GOLD 10.90 F 0 30 0 N.R. (800) 624-9699
FIRST NATIONAL BANK OF LITCHFIELD, THE CT - VISA CARD 10.92 F 0 25 0 N.R. (888) 567-1814
WAYNE BANK AND TRUST CO. N - PLATINUM VISA 10.99 F 0 25 0 N.R. (888) 769-2963
BANK MIDWEST, NATIONAL ASSOCIATION R - VISA CLASSIC 11.15 V 1 25 0 2,4,6 (888) 985-4575
KENTUCKY BANK KY - VISA 11.15 V 1 25 0 N.R. (859) 987-1795
HSBC BANK USA, NATIONAL ASSOCIATION N - MASTERCARD 11.24 V 1 20 0 3,4,5,9,10 (877) 700-4722
BMW BANK OF NORTH AMERICA N - VISA 11.74 V 1 22 0 2,3,4,6,9,10 (888) 269-2273
5STAR BANK N - 5STAR VISA PLATINUM 11.90 F 0 25 0 4 (888) 277-0444
COMMUNITY BANK & TRUST COMPANY PA - VISA 11.98 F 0 25 0 10 (800) 820-4642
BANNER BANK R - VISA PLATINUM REWARDS 11.99 F 0 25 0 4,6,10 (800) 790-2755
CITIZENS FIRST BANK FL - VISA PLATINUM 11.99 F 0 25 0 2,4,6,10 (352) 259-3274
FIRST NATIONAL BANK OF OMAHA N - VISA 11.99 V 1 20 0 2,3,4,6,7,9 (888) 530-3626
INFIBANK, N.A. N - VISA 11.99 V 1 20 0 N.R. (888) 530-3626
IBERIABANK FSB N - VISA 12.08 V 1 25 0 9 (800) 217-7715
COREFIRST BANK & TRUST R - VISA CLASSIC 12.13 V 1 25 0 4,6,9 (785) 267-8900
CHASE BANK USA, NATIONAL ASSOCIATION N - MASTERCARD 12.24 V 1 20 0 N.R. (888) 804-8516
DELAWARE COUNTY BANK AND TRUST COMPANY, THE OH - VISA GOLD 12.25 V 1 25 0 2,5,9 (800) 631-0322
ZIONS FIRST NATIONAL BANK R - VISA CLASSIC 12.25 V 1 25 0 2,4,6,10 (888) 758-5349
TIB THE INDEPENDENT BANKERSBANK N - VISA AND MASTERCARD 12.40 V 1 25 0 N.R. (800) 367-7576
TOYOTA FINANCIAL SAVINGS BANK N - TOYOTA REWARDS VISA 12.75 V 1 20 0 1,3,4,10 (866) 614-8845
NATIONAL CITY BANK R - EVERYDAY REWARDS VISA 12.99 V 1 20 0 1,2,3,4,6 (800) 282-7541
SUNTRUST BANK R - SUNTRUST PLATINUM REWARDS VISA 12.99 V 1 20 0 N.R. (800) 477-9702
TCM BANK, NATIONAL ASSOCIATION N - VISA PLATINUM 12.99 V 1 25 0 2,3,4,6,9,10 (800) 883-0131
UNIVEST NATIONAL BANK AND TRUST CO. PA - VISA PLATINUM REWARDS 12.99 F 0 25 0 1 (877) 440-2273
USAA SAVINGS BANK N - MASTERCARD 13.32 V 1 25 0 N.R. (800) 531-8722
JOHNSON BANK N - ELAN VISA 13.74 V 1 25 0 1,2,3,4,5,6,7,8,9,10 (800) 558-3424
WEST SUBURBAN BANK IL - VISA CLASSIC 13.75 V 1 25 0 N.R. (630) 652-2000
NORTHWEST SAVINGS BANK R - VISA CLASSIC 13.80 F 0 25 0 3,6 (877) 300-5768
CAPITAL ONE BANK (USA), NATIONAL ASSOCIATION N - VISA 13.90 V 1 25 0 N.R. (800) 955-7070
FIRST NATIONAL BANK ALASKA AK - MASTERCARD 13.90 F 0 25 0 4 (907) 777-4523
FIRSTBANK OF COLORADO R - VISA 13.90 V 1 25 0 2,4,6 (800) 964-3444
CITY NATIONAL BANK OF TAYLOR, THE TX - VISA AND MASTERCARD 13.92 F 0 25 0 4,6 (800) 848-8472
FIRST BANK & TRUST EAST TEXAS TX - VISA CLASSIC 13.92 F 0 25 0 4 (888) 608-7787
FIRST NATIONAL BANK OF THE MID-CITIES N - MASTERCARD REGULAR AND GOLD 13.92 F 0 25 0 N.R. (817) 553-2500
HUNTINGTON STATE BANK TX - VISA 13.92 F 0 25 0 N.R. (936) 639-5566
NATIONAL BANK OF BLACKSBURG, THE N - VISA 13.92 F 0 30 0 N.R. (800) 951-6235
TEXAS BANK AND TRUST COMPANY TX - VISA CLASSIC 13.92 F 0 25 0 N.R. (903) 237-5680
FIRST NATIONAL BANK TX - VISA PLATINUM REWARDS 13.99 F 0 25 0 9 (877) 380-8573
RBS CITIZENS, NATIONAL ASSOCIATION N - MASTERCARD PLATINUM 13.99 V 1 27 0 2,4,6,9,10 (888) 333-5145
WELLS FARGO BANK, NATIONAL ASSOCIATION N - VISA 14.12 V 1 25 0 N.R. (800) 642-4720
TD BANK, N.A. N - EASY REWARDS VISA 14.24 V 1 25 0 3,4,6,9 (888) 561-8861
FARMERS STATE BANK IA - VISA CLASSIC 14.40 F 0 25 0 2,4,6 (888) 461-0821
FIFTH THIRD BANK R - PLATINUM MASTERCARD 14.49 V 1 20 0 3,4,5,6,7,9 (877) 579-5353
FIRST HAWAIIAN BANK HI - MASTERCARD STANDARD 14.49 F 0 25 0 6,10 (800) 342-2778
DISCOVER BANK N - DISCOVER MORE CARD 14.75 V 1 25 0 1,4,6,7,9 (800) 347-2683
PENN SECURITY BANK AND TRUST COMPANY N - MASTERCARD 14.80 F 0 25 0 N.R. (570) 346-7741
SOLVAY BANK NY - VISA CLASSIC 14.88 F 0 25 0 N.R. (315) 468-1661
WALLIS STATE BANK, THE TX - WALLIS STATE BANK VISA 14.92 F 0 25 0 4,5,6,8 (979) 478-6151
WORLD'S FOREMOST BANK N - CABELA'S VISA CLASSIC (REWARDS) 14.99 V 9 20 0 1,6 (800) 850-8402
UNION BANK AND TRUST COMPANY R - VISA CLASSIC 15.00 V 1 25 0 10 (800) 297-2837
STATE FARM BANK, FSB N - PLATINUM REWARDS VISA 15.12 V 1 24 0 1,2,4,6,9 (877) 734-8472
CITIBANK (BANAMEX USA) R - MASTERCARD PLATINUM 15.24 V 1 25 0 4,10 (800) 222-1234
FIRST STATE BANK NM - MASTERCARD CLASSIC 15.24 F 0 25 0 4 (800) 423-7503
FIRST NATIONAL BANK OF FAIRFIELD, THE MT - VISA CLASSIC - TETON BANCARD SERVICE 15.60 F 0 25 0 4 (888) 311-2531
GE MONEY BANK N - DISCOVER CARD 15.87 V 1 0 0 N.R. (800) 417-8321
TRUSTMARK NATIONAL BANK R - VISA 15.90 F 0 30 0 N.R. (601) 208-5944
PINNACLE BANK R - VISA CLASSIC 15.96 V 9 25 0 4,5,6,10 (800) 369-7283
CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION N - PLATINUM SELECT MASTERCARD 15.99 V 1 20 0 N.R. (800) 950-5114
FARMERS & MERCHANTS STATE BANK, THE N - MASTERCARD VISA 15.99 V 1 25 0 4,5,6,10 (800) 451-7843
YORK STATE BANK AND TRUST COMPANY N - VISA 15.99 F 0 20 0 1,3,4,6,9,10 (402) 362-4411
COMPASS BANK R - VISA 16.24 V 9 25 0 N.R. (800) 239-5175
AMERICAN SAVINGS BANK, F.S.B. HI - CLASSIC VISA 16.25 F 0 25 0 4,6 (808) 627-6900
BANCO POPULAR NORTH AMERICA R - MASTER CARD 16.49 V 1 25 0 2,3,4,6 (888) 317-9062
NATIONAL GRAND BANK OF MARBLEHEAD MA - MASTERCARD 16.50 F 0 25 0 N.R. (781) 631-6000
SAVINGS BANK OF MAINE ME - VISA CLASSIC 16.50 T 0 25 0 N.R. (888) 424-4184
FIA CARD SERVICES, NATIONAL ASSOCIATION N - BANK OF AMERICA PLATINUM PLUS VISA 16.79 V 1 25 0 3,10 (800) 932-2775
VALLEY NATIONAL BANK NJ - MASTERCARD 16.80 F 0 25 0 N.R. (800) 522-4100
ARVEST BANK R - VISA 16.90 V 1 25 0 4,6,8 (800) 356-8085
BOONE COUNTY NATIONAL BANK OF COLUMBIA, THE R - MASTERCARD/VISA 17.40 F 0 25 0 1,4,5,7,9 (800) 455-9272
CENTRAL TRUST BANK, THE R - MASTERCARD / VISA 17.40 F 0 25 0 1,4,5,7,9 (800) 445-9272
FIRST NATIONAL BANK OF ST. LOUIS R - MASTERCARD / VISA 17.40 F 0 25 0 1,4,5,7,9 (800) 445-9272
GREENVILLE NATIONAL BANK OH - GREENVILLE NATIONAL BANK VISA 17.90 F 0 25 0 N.R. (937) 548-1114
WORLD FINANCIAL NETWORK NATIONAL BANK N - GANDER MOUNTAIN GOLD 19.99 V 1 25 0 N.R. (888) 332-4709
WELLS FARGO FINANCIAL NATIONAL BANK N - HOME PROJECTS VISA 23.90 V 1 22 0 N.R. (800) 459-8451
MERRICK BANK CORPORATION N - VISA CLASSIC 24.45 V 1 25 0 N.R. (800) 253-2322
FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER OH - FAIRFIELD FEDERAL VISA GOLD 8.00 V 1 25 12 10 (800) 650-0987
RANDOLPH NATIONAL BANK N - MASTERCARD 9.50 F 0 30 12 5,7 (802) 728-9611
APPALACHIAN COMMUNITY BANK N - VISA CLASSIC 14.90 F 0 15 12 N.R. (706) 276-8000
FIDELITY BANK, THE R - VISA 18.00 F 0 25 12 N.R. (919) 552-2242
S & T BANK PA - VISA CLASSIC 6.75 V 1 25 15 4,6,10 (800) 325-2265
1ST SUMMIT BANK N - VISA 7.75 V 1 25 15 1,3,4,5,6,10 (888) 262-4010
IDAHO INDEPENDENT BANK N - VISA 10.17 V 1 25 15 3,4,5,6,7 (208) 947-1168
LOS ALAMOS NATIONAL BANK N - VISA 10.50 F 0 30 15 2,3,4,5,6,8 (505) 662-5171
ADIRONDACK TRUST COMPANY, THE NY - VISA 15.00 F 0 25 15 4,6 (800) 485-7899
FIRST FINANCIAL BANK, NATIONAL ASSOCIATION R - VISA CLASSIC 15.90 F 0 25 15 N.R. (800) 511-0045
COPPERMARK BANK R - MASTERCARD 16.15 V 1 25 15 N.R. (405) 593-1557
HEARTLAND BANK OH - 11.65 V 1 25 18 4,10 (800) 697-0049
WILMINGTON TRUST COMPANY N - MASTERCARD 12.00 V 4 25 18 4,5,8,10 (800) 523-2378
D. L. EVANS BANK N - VISA CLASSIC 11.15 V 1 25 20 2,3,4,5,6,8,10 (208) 678-2529
MERCER SAVINGS BANK OH - VISA 11.90 F 0 25 20 9 (419) 586-5159
FNBT.COM BANK FL - MASTERCARD 14.90 F 0 30 20 N.R. (850) 796-2020
CENTRAL BANK & TRUST COMPANY KY - VISA 18.00 F 0 25 20 N.R. (800) 637-6884
CHEMUNG CANAL TRUST COMPANY NY - VISA BUSINESS CARD 8.65 V 1 25 25 3,4,6 (800) 836-3711
VINTON COUNTY NATIONAL BANK OF MC, THE OH - VISA 9.15 V 1 25 25 4,9,10 (800) 542-5004
FIRST NATIONAL BANK OF IPSWICH, THE N - VISA 10.00 V 1 0 35 N.R. (800) 944-2726
STATE BANK OF CROSS PLAINS WI - VISA PLATINUM 14.99 F 0 25 35 4,6,8,9,10 (608) 798-5214
FIRST INTERSTATE BANK R - VISA SCORECARD 15.25 V 1 25 35 4,6,9 (406) 255-5434
PLAINS COMMERCE BANK N - VISA/MASTER CARD 19.80 F 0 25 39 N.R. (605) 948-2278
CITY NATIONAL BANK R - VISA BUSINESS 15.96 F 0 25 50 2,3,4,6,10 (800) 221-5920
FIRST NATIONAL BANK N - FIRST NATIONAL CREDIT CARD/LEGACY VI 18.90 F 0 25 50 6 (888) 883-9824
NEW MILLENNIUM BANK N - VISA SECURED CREDIT CARD 19.50 F 0 0 59 2,4,5,6 (732) 729-4395
CREDIT ONE BANK, NATIONAL ASSOCIATION N - VISA 23.90 F 0 25 78 N.R. (877) 825-3242
BARCLAYS BANK DELAWARE N - US AIRWAYS WORLD MASTERCARD 15.24 V 1 21 79 2,5,6 (866) 419-0881
AMERICAN EXPRESS BANK, FSB N - AMERICAN EXPRESS GOLD 13.24 V 1 20 95 N.R. (800) 257-0770
AMERIPRISE BANK, FSB N - MASTERCARD 4.50 V 1 30 150 N.R. (866) 715-4255

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Last update: October 5, 2009