skip to main navigation skip to content
Board of Governors of the Federal Reserve System Credit Card Basics

Survey of Credit Card Plans

Note: Beginning with the January 31, 2012 report date, FR 2572 data will be posted on the Consumer Financial Protection Bureau's (CFPB) website. When the data are available on the CFPB site, a direct link will be provided.

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, 2011, 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 2001.

ccs.zip (ZIP 9MB)
Compressed (ZIP) files are available through 7-zip. Download the free 7-zip compression utility Leaving the Board
Spreadsheets (XLS, XLSX) are available through Excel Viewer. Download the free Excel Viewer Leaving the Board

Survey Report by Institution Name: July 31, 2011

Note: On March 1, 2012 the file was revised to remove New Millennium Bank (2833882) - as of April 2011 they no longer offer new third party credit card plans.

Sorted by Annual Fee | Sorted by APR

Codes used in list of plans

Institution Availability and Credit Card Plan Annual Percentage Rate Type of Pricing Index Grace Period (days) Annual Fee Other Features Telephone
1ST SUMMIT BANK N - VISA 7.75 V 1 25 15 1,3,4,5,6,10 (888) 262-4010
ADIRONDACK TRUST COMPANY, THE NY - VISA 15.00 F 0 25 15 4,6 (800) 485-7899
AMALGAMATED BANK OF CHICAGO N - AMALGAMATED BANK OF CHICAGO - MASTER 9.25 V 1 25 0 3,4,5,6,10 (800) 365-6464
AMEGY BANK, NATIONAL ASSOCIATION TX - VISA PLATINUM 8.75 V 1 25 0 2,3,6 (800) 494-1698
AMERICAN EXPRESS BANK, FSB N - AMERICAN EXPRESS GOLD 13.24 V 1 25 95 N.R. (800) 430-1000
AMERICAN EXPRESS CENTURION BANK N - BLUE FROM AMERICAN EXPRESS 15.24 V 1 25 0 2,3,4,5,6,9,10 (800) 528-4800
AMERICAN SAVINGS BANK, F.S.B. HI - TRAVELAWARDS PLUS CLASSIC VISA 16.25 F 0 25 24 4,6 (800) 727-2566
AMERICAN STATE BANK TX - AMERICAN STATE BANK VISA 9.90 F 0 25 0 N.R. (800) 725-2006
AMERIPRISE BANK, FSB N - MASTERCARD - WORLD 9.24 V 1 30 0 N.R. (866) 483-8434
ARVEST BANK R - VISA 17.90 V 1 25 0 4,6,8 (800) 356-8085
BANAMEX USA R - MASTERCARD PLATINUM 20.99 F 0 25 35 4,10 (800) 222-1234
BANCO POPULAR NORTH AMERICA R - BANCO POPULAR PLATINUM MASTERCARD 13.24 V 1 25 0 2,3,4,6,9 (800) 963-8738
BANCORPSOUTH BANK R - MASTERCARD 13.90 V 1 30 0 N.R. (800) 844-2723
BANK MIDWEST, NATIONAL ASSOCIATION R - VISA CLASSIC 11.15 V 1 25 0 N.R. (866) 451-3327
BANK OF CANTON, THE MA - VISA CLASSIC 9.74 V 1 25 0 4,5,6,8 (888) 828-1690
BANK OF KENTUCKY, INCORPORATED, THE R - VISA GOLD 8.25 V 1 25 0 4,9 (859) 372-5170
BANK OF LOUISIANA N - VISA AND MASTERCARD 11.25 V 1 25 0 N.R. (800) 353-6454
BANK OF MAINE, THE ME - VISA CLASSIC 16.50 T 0 25 0 N.R. (888) 424-4184
BANKERS' BANK OF KANSAS, NATIONAL ASSOCIATION R - BBOK UNIVERSAL 9.17 V 1 25 0 4,6 (800) 675-6284
BANNER BANK R - VISA PLATINUM REWARDS 11.99 F 0 25 0 4,6,10 (800) 790-2755
BARCLAYS BANK DELAWARE N - US AIRWAYS WORLD MASTERCARD 15.99 V 1 23 89 4,5,6,9,10 (866) 734-8040
BB&T FINANCIAL, FSB R - VISA PLATINUM 9.15 V 1 25 0 N.R. (800) 476-4228
BMW BANK OF NORTH AMERICA N - VISA 10.24 V 1 22 0 2,3,4,6,9,10 (888) 269-2273
BOONE COUNTY NATIONAL BANK OF COLUMBIA, THE R - MASTERCARD/VISA 13.49 V 1 25 0 3,4,6,10 (800) 445-9272
CAPITAL ONE BANK (USA), NATIONAL ASSOCIATION N - MASTER SECURE CARD 22.90 V 1 25 29 N.R. (800) 955-7070
CENTRAL BANK R - MASTERCARD / VISA 13.49 V 1 25 0 3,4,6,10 (800) 445-9272
CENTRAL BANK & TRUST COMPANY KY - VISA 18.00 F 0 27 20 N.R. (800) 637-6884
CENTURY BANK AND TRUST R - VISA CLASSIC 14.99 F 0 25 0 N.R. (866) 680-2265
CHASE BANK USA, NATIONAL ASSOCIATION N - MASTERCARD 11.99 V 1 21 0 N.R. (888) 804-8516
CHEMUNG CANAL TRUST COMPANY R - VISA BUSINESS CARD 8.65 V 1 25 25 3,4,6 (800) 836-3711
CITIBANK, N.A. N - PLATINUM SELECT MASTERCARD 16.99 V 1 23 0 N.R. (800) 950-5114
CITIZENS FIRST BANK FL - VISA PLATINUM 11.99 F 0 25 0 N.R. (800) 707-1893
CITY NATIONAL BANK R - VISA BUSINESS 15.96 F 0 25 50 2,3,4,6,10 (800) 998-6207
CITY NATIONAL BANK OF TAYLOR, THE TX - VISA 13.92 F 0 25 0 4,6 (800) 848-8472
CNB BANK N - VISA GOLD 7.00 V 1 30 0 2,3,4,5,6,8,10 (800) 492-3221
COMMUNITY STATE BANK MI - VISA CLASSIC 9.90 F 0 30 0 4 (989) 865-9945
COMPASS BANK R - CLEAR POINTS VISA 15.24 V 1 25 0 N.R. (800) 239-5175
CONVERSE COUNTY BANK, THE N - VISA 9.45 F 0 25 0 10 (307) 358-5300
COPPERMARK BANK R - MASTERCARD 16.15 V 1 25 15 N.R. (800) 593-1557
COREFIRST BANK & TRUST R - VISA CLASSIC 14.90 V 1 25 0 4,6,9 (800) 230-0123
CREDIT ONE BANK, NATIONAL ASSOCIATION N - VISA 23.90 V 1 0 99 N.R. (877) 825-3242
D. L. EVANS BANK N - VISA CLASSIC 11.15 V 1 25 20 2,3,4,5,6,8,10 (866) 661-5463
DELAWARE COUNTY BANK AND TRUST COMPANY, THE OH - VISA GOLD 13.25 V 1 25 0 2,5,9 (800) 631-0322
DISCOVER BANK N - DISCOVER MORE CARD 16.49 V 1 25 0 1,2,3,4,6,9,10 (800) 347-2683
DOLLAR BANK, A FEDERAL SAVINGS BANK R - VALUED CUSTOMER VISA 12.24 V 1 25 0 1,6,9 (800) 447-2823
FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER OH - FAIRFIELD FEDERAL VISA GOLD 7.25 V 1 25 0 10 (800) 650-0987
FARMERS & MERCHANTS STATE BANK, THE N - MASTERCARD 15.99 V 1 25 0 4,5,6,10 (800) 451-7843
FARMERS STATE BANK IA - VISA PLATINUM PREFERRED 8.25 V 1 25 0 2,4,5,6,7,9,10 (888) 461-0821
FIA CARD SERVICES, NATIONAL ASSOCIATION N - BANK OF AMERICA PLATINUM PLUS VISA 16.99 V 1 25 0 3,9,10 (800) 932-2775
FIDELITY BANK, THE R - VISA 8.90 V 1 25 0 N.R. (919) 552-2242
FIFTH THIRD BANK R - PLATINUM MASTER CARD 17.49 V 1 21 0 3,4,5,6,7,9 (877) 579-5353
FIRST BANK & TRUST EAST TEXAS TX - VISA CLASSIC 13.92 F 0 25 0 4 (888) 608-7787
FIRST CITIZENS BANK AND TRUST COMPANY, INC. R - VISA PLATINUM 7.25 V 1 25 0 N.R. (888) 612-4444
FIRST COMMAND BANK N - VISA PLATINUM 6.25 V 1 30 0 2,4,6 (888) 763-7600
FIRST COUNTY BANK CT - VISA 9.15 V 1 25 25 N.R. (203) 462-4400
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION N - VISA 7.15 V 1 25 0 N.R. (800) 768-3248
FIRST FINANCIAL BANK, NATIONAL ASSOCIATION R - VISA CLASSIC 8.50 V 1 27 0 6 (800) 221-8890
FIRST HAWAIIAN BANK HI - MASTERCARD STANDARD 15.24 V 1 25 0 6,10 (800) 342-2778
FIRST INTERSTATE BANK R - VISA PLATINUM SCORECARD 15.25 V 1 25 0 3,4,6,9 (888) 791-4071
FIRST NATIONAL BANK N - FIRST NATIONAL CREDIT CARD/LEGACY VI 29.90 F 0 25 75 4,6 (888) 883-9824
FIRST NATIONAL BANK TX - VISA PLATINUM REWARDS 18.00 F 0 25 45 N.R. (877) 380-8573
FIRST NATIONAL BANK ALASKA AK - MASTERCARD 13.90 F 0 25 0 4 (907) 777-4523
FIRST NATIONAL BANK OF OMAHA N - VISA 13.99 V 1 21 0 2,3,4,6,7,9 (888) 530-3626
FIRST NATIONAL BANK OF ST. LOUIS R - MASTERCARD / VISA 13.49 V 1 25 0 3,4,6,10 (800) 445-9272
FIRST NATIONAL BANK OF THE MID-CITIES N - MASTERCARD REGULAR 13.92 F 0 25 0 N.R. (817) 553-2500
FIRST SECURITY BANK AR - VISA 9.99 F 0 25 0 1,3,4,6 (501) 280-3516
FIRST STATE BANK NM - MASTERCARD CLASSIC 15.24 F 0 25 0 4,6 (800) 423-7503
FIRST STATE BANK OF NEWCASTLE R - FIRST STATE BANK OF NEWCASTLE VISA/M 14.88 F 0 30 9 4,10 (888) 788-2892
FIRST TENNESSEE BANK NATIONAL ASSOCIATION R - VISA 9.15 V 1 25 0 4,6,9 (800) 234-2840
FIRST-CITIZENS BANK & TRUST COMPANY R - VISA GOLD 10.15 V 1 25 0 N.R. (800) 564-1768
FIRSTBANK R - VISA 15.15 V 1 25 0 2,4,6 (800) 964-3444
FIRSTMERIT BANK, N.A. R - MASTERCARD PLATINUM 7.24 V 1 25 0 2,3,4,9 (888) 554-4362
FNBT.COM BANK FL - MASTERCARD 14.90 F 0 30 20 N.R. (800) 899-4321
FRANKLIN TEMPLETON BANK & TRUST F.S.B. N - PLATINUM MASTERCARD 12.74 V 1 25 0 2,3,4,6,10 (800) 238-2761
GE CAPITAL RETAIL BANK N - DISCOVER CARD 15.87 V 1 0 0 N.R. (800) 417-8321
GREAT WESTERN BANK R - VISA PREFERRED 9.99 V 1 25 0 4 (800) 599-7889
GREENVILLE NATIONAL BANK OH - GREENVILLE NATIONAL BANK VISA 17.90 F 0 25 0 N.R. (937) 548-1114
HARBOR BANK OF MARYLAND, THE R - VISA CLASSIC 21.00 F 0 10 0 2,4 (410) 528-1800
HAWTHORN BANK MO - MASTERCARD PLATINUM 10.15 V 1 25 0 N.R. (800) 761-8362
HEARTLAND BANK OH - MASTERCARD 15.65 V 1 25 18 4,10 (800) 697-0049
HILLS BANK AND TRUST COMPANY IA - VISA PLATINUM 8.75 V 1 25 0 4,6,9 (800) 445-5725
HSBC BANK USA, NATIONAL ASSOCIATION N - MASTERCARD 14.99 V 1 23 0 3,4,5,9,10 (800) 975-4722
HUNTINGTON STATE BANK TX - VISA 13.92 F 0 25 0 N.R. (888) 890-6080
IDAHO INDEPENDENT BANK N - VISA 10.17 V 1 25 0 4,5,6,7 (208) 338-8011
INTRUST BANK, NATIONAL ASSOCIATION N - VISA PLATINUM 10.90 V 1 25 0 N.R. (800) 222-7458
JOHNSON BANK N - ELAN VISA SIGNATURE 15.49 V 1 27 0 1,2,3,4,5,6,7,8,9,10 (800) 558-3424
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION N - MASTERCARD 11.99 V 1 21 0 1,2,3,4,5,6,7,8,9,10 (888) 804-8516
KENTUCKY BANK KY - VISA 11.15 V 1 25 0 N.R. (859) 987-1795
LIBERTY BANK AND TRUST COMPANY N - VISA 9.96 F 0 24 0 N.R. (662) 453-4538
LOS ALAMOS NATIONAL BANK N - VISA 10.50 F 0 30 10.5 2,3,4,5,6,8 (505) 662-5171
MERCANTIL COMMERCEBANK NATIONAL ASSOCIATION FL - VISA PT. PLATINUM 10.00 F 0 28 0 N.R. (866) 208-6610
MERCER SAVINGS BANK OH - VISA 11.90 F 0 25 20 9 (419) 586-5159
MERRICK BANK CORPORATION N - VISA CLASSIC 23.95 V 1 25 0 N.R. (800) 253-2322
MORTON COMMUNITY BANK N - VISA GOLD 7.25 V 1 25 0 N.R. (309) 266-5337
NATIONAL BANK OF BLACKSBURG, THE N - VISA 13.92 F 0 30 0 N.R. (800) 951-6235
NATIONAL GRAND BANK OF MARBLEHEAD MA - MASTERCARD 16.50 F 0 25 0 N.R. (888) 631-1776
NATIONWIDE BANK N - NWC PLATINUM 11.24 V 1 25 0 1,2,6,7,9 (866) 757-2720
NEWBRIDGE BANK NC - VISA CLASSIC 10.00 V 1 25 0 10 (800) 456-6505
NEWFIELD NATIONAL BANK NJ - VISA 9.99 F 0 25 0 2,4,5,10 (800) 690-3440
NORDSTROM FSB N - VISA 16.90 V 1 25 0 3,4,6,10 (800) 964-1800
NORTH SIDE BANK AND TRUST COMPANY, THE R - VISA CLASSIC 11.00 V 1 25 0 6,10 (513) 542-7800
NORTHWEST SAVINGS BANK R - BANK LOYALTY CARD 7.74 V 1 25 0 3,6 (877) 300-5768
OHIO VALLEY BANK COMPANY, THE R - VISA 10.25 V 1 25 0 N.R. (866) 448-4411
PARK BANK, THE WI - VISA PLATINUM SCORECARD 11.24 V 1 25 0 2,3,4,5,6,8,9,10 (800) 359-7275
PENN SECURITY BANK AND TRUST COMPANY N - MASTERCARD 14.80 F 0 28 0 N.R. (800) 327-0394
PINNACLE BANK R - VISA 15.96 V 1 25 0 4,5,6,10 (800) 369-7283
PNC BANK, NATIONAL ASSOCIATION R - PNC SECURED VISA 18.99 V 1 26 36 N.R. (800) 282-7541
QUAD CITY BANK AND TRUST COMPANY R - VISA CLASSIC 9.20 V 1 25 15 4,6,9 (563) 468-6314
RANDOLPH NATIONAL BANK N - MASTERCARD 9.50 F 0 30 12 5,7 (802) 728-9611
RBC BANK (GEORGIA), NATIONAL ASSOCIATION R - PLATINUM CREDIT CARD 14.11 V 1 21 0 N.R. (888) 257-6837
RBS CITIZENS, NATIONAL ASSOCIATION N - MASTERCARD PLATINUM 15.99 V 1 21 0 2,4,6,10 (800) 426-1114
REPUBLIC BANK & TRUST COMPANY KY - VISA 8.45 V 1 25 0 2,3,4,6 (888) 584-3600
ROCKPORT NATIONAL BANK R - MASTERCARD 9.25 V 1 25 0 N.R. (978) 546-3411
S & T BANK PA - VISA CLASSIC 9.25 V 1 25 25 4,6 (800) 325-2265
SECURITY STATE BANK N - MASTERCARD 9.75 V 1 30 0 4,6,10 (800) 835-3728
SIMMONS FIRST NATIONAL BANK OF PINE BLUFF N - VISA 7.25 V 1 25 0 4 (800) 272-2102
SOLVAY BANK NY - VISA CLASSIC 14.88 F 0 25 0 4 (315) 468-1661
STATE BANK OF CROSS PLAINS WI - VISA PLATINUM 14.99 F 0 25 35 2,4,5,6,8,9,10 (877) 319-6525
STATE FARM BANK, FSB N - PLATINUM REWARDS VISA 16.74 V 1 24 0 1,2,4,6,9 (877) 734-8472
SUNFLOWER BANK, NATIONAL ASSOCIATION N - VISA 7.65 V 1 25 0 3,4,6 (888) 827-5564
SUNTRUST BANK R - SUNTRUST PLATINUM REWARDS VISA 16.99 V 1 25 0 4,6,9 (800) 477-9702
SYNOVUS BANK N - PLATINUM 7.24 V 1 25 0 N.R. (800) 543-8227
TCM BANK, NATIONAL ASSOCIATION N - VISA 9.99 V 1 25 0 4,6,10 (800) 883-0131
TD BANK, N.A. R - TD EASY REWARDS VISA 16.24 V 1 25 0 N.R. (888) 561-8861
TETON BANKS MT - TETON BANCARD SERVICES 15.60 F 0 25 0 4 (888) 311-2531
TEXAS BANK AND TRUST COMPANY TX - VISA CLASSIC 13.92 F 0 25 0 N.R. (903) 237-5680
TIB THE INDEPENDENT BANKERSBANK N - VISA 14.24 V 1 25 0 N.R. (800) 367-7576
TOWN NORTH BANK NEVADA, NATIONAL ASSOCIATION N - MASTERCARD 15.99 F 0 25 0 4,9 (800) 820-8417
TOYOTA FINANCIAL SAVINGS BANK N - TOYOTA REWARDS VISA 15.49 V 1 27 0 1,3,4,6,9 (866) 614-8845
TRUSTMARK NATIONAL BANK R - VISA 15.90 F 0 30 0 N.R. (601) 208-7685
U.S. BANK NATIONAL ASSOCIATION ND N - VISA 15.99 V 1 27 0 9 (800) 285-8585
UMB BANK, NATIONAL ASSOCIATION N - VISA - PLATINUM 10.99 V 1 21 0 4,6,9 (800) 821-5184
UNION BANK AND TRUST COMPANY R - VISA CLASSIC 15.00 V 1 25 0 10 (800) 221-5920
UNITED BANK, INC. R - VISA 9.25 V 1 25 0 N.R. (800) 242-7600
UNIVEST BANK AND TRUST CO. PA - VISA PLATINUM REWARDS 12.99 F 0 25 0 1 (877) 723-5571
USAA SAVINGS BANK N - MASTERCARD 17.40 V 1 25 0 N.R. (800) 531-8722
VALLEY NATIONAL BANK NJ - MASTERCARD 16.80 F 0 25 0 N.R. (800) 522-4100
VINTON COUNTY NATIONAL BANK OF MCARTHUR, THE OH - VISA PLATINUM 9.15 V 1 25 0 N.R. (800) 542-5004
WALLIS STATE BANK, THE TX - VISA 14.92 F 0 25 0 4,5,6 (979) 478-6151
WAYNE BANK AND TRUST CO. N - PLATINUM VISA 10.99 F 0 25 0 N.R. (888) 769-2963
WELLS FARGO BANK, NATIONAL ASSOCIATION N - VISA 15.16 V 1 25 0 N.R. (800) 642-4720
WELLS FARGO FINANCIAL NATIONAL BANK N - HOME PROJECTS VISA 27.99 V 1 23 0 N.R. (800) 459-8451
WEST SUBURBAN BANK IL - VISA CLASSIC 13.75 V 1 25 0 N.R. (630) 652-2000
WORLD FINANCIAL NETWORK BANK N - ANN TAYLOR LOFT MASTERCARD 24.99 V 1 25 0 N.R. (866) 886-1009
WORLD'S FOREMOST BANK N - CABELA'S VISA CLASSIC (REWARDS) 16.68 V 9 25 0 1,6 (800) 850-8402
YORK STATE BANK N - VISA 13.99 F 0 20 0 1,4,10 (888) 295-5540
ZIONS FIRST NATIONAL BANK R - VISA CLASSIC 12.25 V 1 25 0 2,4,6,10 (888) 758-5349

Last Update Date: May 17, 2012
Home | Consumer Information

Learn more about...
Glossary Credit Protection Laws Contact us


Other Consumer Guide
5 Tips for... What you Need to Know Seal of Board of governors
Image of compass
Contact Us | Survey of Credit Card Plans | Credit card agreement database (on the website of the CFPB) | FR Consumer Help