The Federal Reserve Board eagle logo links to home page

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 January 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
January 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
SUNFLOWER BANK, NATIONAL ASSOCIATION N- VISA 4.90 V 1 25 0 3,4,6, (888) 827-5564
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
U.S. BANK NATIONAL ASSOCIATION ND R- VISA 5.90 V 1 25 0 9, (800) 285-8585
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
PARK BANK, THE WI- VISA PLATINUM SCORECARD 6.74 V 1 25 0 2,3,4,5,6,8,9,10, (800) 359-7275
AMERICAN BANK OF THE NORTH MN- AMERICAN BANK VISA REWARDS 6.90 F 0 25 0 2,3,4,5,6, (218) 262-3557
BB&T FINANCIAL, FSB R- VISA 7.15 V 1 25 0 3,4,5,6,9, (800) 976-4228
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
CITIBANK (BANAMEX USA) N- MASTERCARD PLATINUM 7.24 V 1 25 0 1,4,10, (800) 222-1234
FIRSTMERIT BANK, N.A. R- VISA PLATINUM 7.24 V 1 25 0 2,4,6,9, (888) 554-4362
SIMMONS FIRST NATIONAL BANK OF PINE BLUFF N- VISA 7.25 F 0 25 0 4, (800) 272-2102
NATIONWIDE BANK N- NWC PLATINUM 7.99 V 1 25 0 1,2,6,7,9, (866) 757-2720
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, (540) 561-4707
IRONSTONE BANK R- VISA GOLD (A MASS MAIL CAMPAIGN WAS 8.00 V 1 25 0 4,10, (540) 561-4707
MORTON COMMUNITY BANK N- VISA GOLD 8.00 V 1 25 0 N.R. (309) 266-5337
NEWBRIDGE BANK NC- VISA 8.00 V 1 25 0 10, (800) 456-6505
FIRST CITIZENS BANK AND TRUST COMPANY, INC. R- VISA 8.15 V 1 25 0 4,5, (888) 612-4444
M&I BANK FSB R- VISA CONSUMER 8.24 V 1 25 0 N.R. (800) 642-2657
BANCO POPULAR NORTH AMERICA R- MASTER CARD 8.49 V 1 25 0 2,3,4,6,9, (888) 317-9062
HILLS BANK AND TRUST COMPANY IA- VISA PLATINUM 8.75 V 1 25 0 9, (800) 445-5725
RAINIER PACIFIC SAVINGS BANK N- VISA GOLD 8.75 V 1 25 0 N.R. (800) 228-2858
BANCORPSOUTH BANK R- MASTERCARD 8.90 V 1 30 0 N.R. (800) 844-2723
FIFTH THIRD BANK R- PLATINUM MASTERCARD 8.99 V 1 20 0 3,4,6,8,9,10, (877) 579-5353
WACHOVIA BANK, NATIONAL ASSOCIATION N- VISA PLATINUM WITH REWARDS 8.99 V 1 25 0 9,10, (800) 922-4084
UMB BANK, NATIONAL ASSOCIATION N- VISA - PLATINUM 9.15 V 1 20 0 4,6,9, (800) 821-5184
AMALGAMATED BANK OF CHICAGO N- AMALGAMATED BANK OF CHICAGO - MASTER 9.25 V 1 25 0 4,5,10, (800) 365-6464
FIRST FINANCIAL BANK, NATIONAL ASSOCIATION R- MASTERCARD CLASSIC 9.25 V 1 25 0 N.R. (800) 221-8890
WHITNEY NATIONAL BANK R- VISA 9.25 V 1 25 0 N.R. (800) 326-3501
RBC BANK (USA) R- VISA GOLD 9.74 V 1 21 0 2,4,6,8,9, (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
QUAD CITY BANK AND TRUST COMPANY R- VISA CLASSIC 9.95 V 1 25 0 4,6,10, (877) 954-0190
BANK OF CANTON, THE MA- VISA CLASSIC 9.96 F 0 25 0 4,5,6,8,10, (888) 828-1690
CHASE BANK USA, NATIONAL ASSOCIATION N- MASTERCARD 9.99 F 0 20 0 N.R. (888) 684-7370
FIRST SECURITY BANK AR- VISA 9.99 F 0 25 0 1,3,4,6, (501) 278-2133
NEWFIELD NATIONAL BANK NJ- VISA 9.99 F 0 25 0 2,4,5,9,10, (800) 690-3440
STATE FARM BANK, FSB N- PLATINUM REWARDS VISA 9.99 V 1 20 0 1,2,4,6,9, (877) 734-8472
BANK OF KENTUCKY, INCORPORATED, THE R- VISA GOLD 10.0 V 1 25 0 4,9, (859) 372-5170
ROCKPORT NATIONAL BANK R- MASTERCARD 10.0 V 1 25 0 N.R. (978) 546-3411
UNITED BANK, INC. R- VISA 10.0 V 1 25 0 10, (800) 242-7600
HAWTHORN BANK MO- MASTERCARD PLATINUM 10.2 V 1 25 0 N.R. (800) 761-8362
AMERICAN EXPRESS CENTURION BANK N- BLUE FROM AMERICAN EXPRESS 10.2 V 1 20 0 2,3,4,5,6,9,10, (800) 528-4800
DOLLAR BANK, A FEDERAL SAVINGS BANK R- VALUED CUSTOMER VISA 10.2 V 1 25 0 1,6,9, (800) 447-2823
USAA SAVINGS BANK N- MASTERCARD 10.6 V 1 25 0 N.R. (800) 531-8722
CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION N- PLATINUM SELECT MASTERCARD 10.7 V 1 20 0 N.R. (800) 950-5114
INTRUST BANK, NATIONAL ASSOCIATION N- VISA PLATINUM 10.9 V 1 25 0 N.R. (800) 222-7458
NORDSTROM FSB N- VISA 10.9 V 1 25 0 3,4,6,10, (800) 964-1800
PEOPLES FIRST COMMUNITY BANK FL- VISA (CURRENTLY THE LARGEST CREDIT C 10.9 F 0 30 0 9, (800) 624-9699
FIRST NATIONAL BANK OF LITCHFIELD, THE CT- VISA CLASSIC 10.9 F 0 25 0 N.R. (888) 567-1814
RBS CITIZENS, NATIONAL ASSOCIATION N- MASTERCARD PLATINUM 11.0 F 0 20 0 2,4,6,9,10, (888) 333-5145
WAYNE BANK AND TRUST CO. N- PLATINUM VISA 11.0 F 0 25 0 N.R. (888) 769-2963
BANK MIDWEST, NATIONAL ASSOCIATION R- VISA CLASSIC 11.2 V 1 25 0 2,4,6, (888) 985-4575
KENTUCKY BANK KY- VISA 11.2 V 1 25 0 N.R. (859) 987-1795
HSBC BANK USA, NATIONAL ASSOCIATION N- MASTERCARD 11.5 V 1 20 0 3,4,5,9,10, (877) 700-4722
BANKERS' BANK OF KANSAS, NATIONAL ASSOCIATION KS- VISA 11.7 V 1 25 0 4, (800) 675-6284
5STAR BANK (A COLORADO INDUSTRIAL BANK) N- 5STAR VISA PLATINUM 11.9 F 0 25 0 4,9,10, (888) 277-0444
COMMUNITY BANK & TRUST COMPANY PA- VISA 12.0 F 0 25 0 10, (800) 820-4642
BANNER BANK R- VISA PLATINUM REWARDS 12.0 F 0 25 0 4,6,10, (509) 524-5515
CITIZENS FIRST BANK FL- VISA PLATINUM 12.0 F 0 25 0 2,4,6,10, (352) 259-3274
FIRST NATIONAL BANK OF OMAHA N- VISA 12.0 V 1 20 0 1,2,3,4,6,7,9, (888) 530-3626
INFIBANK, N.A. N- VISA 12.0 V 1 20 0 1,2,3,4,6,7,9, (877) 875-8078
TOYOTA FINANCIAL SAVINGS BANK N- LEXUS PURSUITS VISA 12.0 V 1 25 0 1,3,4,9, (888) 777-5555
COREFIRST BANK & TRUST R- VISA CLASSIC 12.1 V 1 25 0 4,6,9, (785) 267-8900
SUNTRUST BANK R- SUNTRUST PLATINUM REWARDS VISA 12.2 V 1 20 0 3,4,6,9, (800) 477-9702
ZIONS FIRST NATIONAL BANK R- VISA CLASSIC 12.3 V 1 25 0 2,4,6,10, (888) 758-5349
BMW BANK OF NORTH AMERICA N- VISA 12.5 V 1 22 0 2,3,4,6,9,10, (888) 269-2273
DISCOVER BANK N- DISCOVER MORE CARD 12.5 V 1 25 0 1,4,6,7,9, (800) 347-2683
TIB THE INDEPENDENT BANKERSBANK N- VISA AND MASTERCARD 12.9 V 1 25 0 N.R. (800) 367-7576
WELLS FARGO FINANCIAL NATIONAL BANK N- HOME PROJECTS VISA 12.9 V 1 20 0 N.R. (800) 459-8451
FIRST HAWAIIAN BANK HI- MASTERCARD STANDARD 13.0 F 0 25 0 1,6,10, (800) 342-2778
NATIONAL CITY BANK R- EVERYDAY REWARDS VISA 13.0 V 1 20 0 1,2,3,4,6, (800) 282-7541
TCM BANK, NATIONAL ASSOCIATION N- VISA PLATINUM 13.0 V 1 25 0 2,3,4,6,9,10, (800) 813-0131
UNIVEST NATIONAL BANK AND TRUST CO. PA- VISA PLATINUM REWARDS 13.0 F 0 25 0 1, (877) 440-2273
WORLD'S FOREMOST BANK N- CABELA'S VISA CLASSIC (REWARDS) 13.0 V 9 20 0 1,6, (800) 850-8402
COMPASS BANK R- VISA 13.2 V 9 25 0 N.R. (800) 239-5175
WELLS FARGO BANK, NATIONAL ASSOCIATION N- VISA 13.3 V 1 25 0 N.R. (800) 642-4720
TD BANK, N.A. N- SIMPLY FLEXIBLE VISA 13.5 F 0 21 0 3,4,9, (888) 561-8861
JOHNSON BANK N- ELAN VISA 13.7 V 1 25 0 1,2,3,4,5,6,7,8,9,10, (800) 558-3424
WEST SUBURBAN BANK IL- VISA CLASSIC 13.8 V 1 25 0 N.R. (630) 652-2000
NORTHWEST SAVINGS BANK R- VISA CLASSIC 13.8 F 0 25 0 3,6, (877) 300-5768
FIRST NATIONAL BANK ALASKA AK- MASTERCARD 13.9 F 0 25 0 4, (907) 777-4523
FIRST NATIONAL BANK AND TRUST COMPANY WY- VISA CLASSIC 13.9 F 0 25 0 4, (307) 754-1405
FIRSTBANK OF COLORADO R- VISA 13.9 V 1 25 0 2,4,6, (800) 964-3444
TRUSTMARK NATIONAL BANK R- VISA 13.9 V 1 30 0 1,3,4,9, (601) 208-7685
CITY NATIONAL BANK OF TAYLOR, THE TX- VISA AND MASTERCARD 13.9 F 0 25 0 4,6, (800) 848-8472
FIRST BANK & TRUST EAST TEXAS TX- VISA CLASSIC 13.9 F 0 25 0 4, (888) 608-7787
FIRST NATIONAL BANK OF THE MID-CITIES N- MASTERCARD REGULAR AND GOLD 13.9 F 0 25 0 N.R. (817) 553-2500
HUNTINGTON STATE BANK TX- VISA 13.9 F 0 25 0 N.R. (936) 639-5566
NATIONAL BANK OF BLACKSBURG, THE N- STANDARD VISA 13.9 F 0 25 0 N.R. (800) 951-6235
TEXAS BANK AND TRUST COMPANY TX- VISA CLASSIC 13.9 F 0 25 0 N.R. (903) 237-5680
FIA CARD SERVICES, NATIONAL ASSOCIATION N- BANK OF AMERICA PLATINUM PLUS VISA 14.0 V 1 20 0 3,4,6,10, (800) 932-2775
YORK STATE BANK AND TRUST COMPANY N- VISA 14.0 F 0 20 0 3,4,6,9,10, (402) 362-4411
PENN SECURITY BANK AND TRUST COMPANY N- MASTERCARD 14.8 F 0 25 0 N.R. (570) 346-7741
SOLVAY BANK NY- VISA CLASSIC 14.9 F 0 25 0 N.R. (315) 468-1661
WALLIS STATE BANK, THE TX- WALLIS STATE BANK VISA 14.9 F 0 25 0 4,5,6,8, (979) 478-6151
UNION BANK AND TRUST COMPANY R- VISA CLASSIC 15.0 V 1 25 0 10, (800) 297-2837
GE MONEY BANK N- DISCOVER CARD 15.1 V 1 0 0 N.R. (800) 417-8321
FIRST STATE BANK NM- MASTERCARD CLASSIC 15.2 F 0 25 0 N.R. (800) 423-7503
FIRST NATIONAL BANK OF FAIRFIELD, THE MT- VISA CLASSIC 15.6 F 0 25 0 4, (888) 311-2531
PINNACLE BANK R- VISA CLASSIC 16.0 V 9 25 0 4,5,6,10, (800) 369-7283
AMERICAN SAVINGS BANK, F.S.B. HI- CLASSIC VISA 16.3 F 0 25 0 4,6, (808) 539-7218
NATIONAL GRAND BANK OF MARBLEHEAD MA- MASTERCARD 16.5 F 0 25 0 N.R. (781) 631-6000
SAVINGS BANK OF MAINE ME- VISA CLASSIC 16.5 T 0 25 0 N.R. (888) 424-4184
VALLEY NATIONAL BANK NJ- MASTERCARD 16.8 F 0 25 0 N.R. (800) 522-4100
ARVEST BANK R- VISA 16.9 V 1 25 0 4,6,8, (800) 356-8085
BOONE COUNTY NATIONAL BANK OF COLUMBIA, THE R- MASTERCARD/VISA 17.4 F 0 25 0 1,4,5,7,9, (800) 445-9272
CENTRAL TRUST BANK, THE R- MASTERCARD / VISA 17.4 F 0 25 0 1,4,5,7,9, (800) 445-9272
FIRST NATIONAL BANK OF ST. LOUIS R- MASTERCARD / VISA 17.4 F 0 25 0 1,4,5,7,9, (800) 445-9272
GREENVILLE NATIONAL BANK OH- GREENVILLE NATIONAL BANK VISA 17.9 F 0 25 0 N.R. (937) 548-1114
CAPITAL ONE BANK (USA), NATIONAL ASSOCIATION N- MASTERCARD 18.1 V 1 25 0 N.R. (800) 955-7070
WORLD FINANCIAL NETWORK NATIONAL BANK N- GANDER MOUNTAIN MASTERCARD GOLD 20.0 V 1 23 0 7, (888) 332-4709
MERRICK BANK CORPORATION N- VISA CLASSIC 24.5 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 14.9 F 0 15 12 N.R. (706) 276-8000
FIDELITY BANK, THE R- VISA 18.0 F 0 25 12 N.R. (919) 552-2242
PARK NATIONAL BANK, THE OH- CLASSIC VISA 18.0 F 0 25 12 N.R. (800) 762-2616
S & T BANK PA- VISA CLASSIC 7.50 V 1 25 15 4,6,10, (800) 325-2265
1ST SUMMIT BANK N- VISA 9.25 V 1 25 15 1,3,4,5,6,10, (888) 262-4010
IDAHO INDEPENDENT BANK N- VISA 10.2 V 1 25 15 3,4,5,6,7, (208) 947-1168
OHIO VALLEY BANK COMPANY, THE R- VISA 10.3 V 1 25 15 N.R. (740) 441-9148
LOS ALAMOS NATIONAL BANK N- VISA 10.5 F 0 30 15 2,3,4,5,6,8, (505) 662-5171
HOME FEDERAL BANK OF TENNESSEE, FSB TN- VISA CLASSIC 12.8 F 0 25 15 6, (800) 299-9842
ADIRONDACK TRUST COMPANY, THE NY- VISA 15.0 F 0 25 15 4,6, (800) 485-7899
FIRST FINANCIAL BANK, NATIONAL ASSOCIATION R- VISA CLASSIC 15.9 F 0 25 15 N.R. (800) 511-0045
COPPERMARK BANK R- MASTERCARD 16.2 V 1 25 15 N.R. (405) 593-1557
HEARTLAND BANK OH- MASTERCARD 11.7 V 1 25 18 4,10, (800) 697-0049
WILMINGTON TRUST COMPANY N- MASTERCARD 13.0 V 4 25 18 4,5,8,10, (800) 523-2378
D. L. EVANS BANK N- VISA CLASSIC 11.2 V 1 25 20 2,3,4,5,6,8,10, (208) 678-2529
MERCER SAVINGS BANK OH- VISA 11.9 F 0 25 20 N.R. (419) 586-5159
FIRST NATIONAL BANK & TRUST FL- MASTERCARD 14.9 F 0 30 20 N.R. (850) 796-2020
CENTRAL BANK & TRUST COMPANY KY- VISA 18.0 F 0 25 20 N.R. (800) 637-6884
WELLS FARGO FINANCIAL BANK BRANCH R- VISA 20.4 V 1 25 20 N.R. (605) 336-3933
CHEMUNG CANAL TRUST COMPANY NY- VISA BUSINESS CARD 8.65 V 1 25 25 3,4,6, (800) 836-3711
FIRST COUNTY BANK CT- VISA CLASSIC 14.2 V 1 25 25 N.R. (203) 462-4200
SILVERTON BANK, N.A. N- MASTERCARD 11.2 V 1 25 30 4,5,6,7, (800) 854-7642
PULASKI BANK AND TRUST COMPANY N- VISA CLASSIC / STANDARD 6.50 F 0 25 35 9, (800) 217-7715
FIRST NATIONAL BANK OF IPSWICH, THE N- MASTERCARD 8.75 V 1 0 35 N.R. (800) 944-2726
STATE BANK OF CROSS PLAINS WI- VISA PLATINUM 15.0 F 0 25 35 4,6,8,9,10, (608) 798-5214
FIRST INTERSTATE BANK R- VISA SCORECARD 16.0 V 1 25 35 4,5,6,8,9,10, (406) 255-5434
PLAINS COMMERCE BANK N- VISA/MASTER CARD 19.8 F 0 25 39 N.R. (605) 948-2278
BARCLAYS BANK DELAWARE N- US AIRWAYS WORLD MASTERCARD 13.2 V 1 20 49 3,4,5,6,9, (866) 419-0881
CITY NATIONAL BANK R- VISA BUSINESS 16.0 F 0 25 50 2,3,4,6,10, (800) 221-5920
NEW MILLENNIUM BANK N- VISA SECURED CREDIT CARD 19.5 F 0 0 59 2,4,5,6, (732) 729-4395
CREDIT ONE BANK, NATIONAL ASSOCIATION N- VISA 23.9 F 0 25 69 N.R. (877) 825-3242
AMERICAN EXPRESS BANK, FSB N- AMERICAN EXPRESS GOLD 13.2 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

Choosing a credit card | Complaints involving credit cards | Checklist
Home | Consumer information | Publications | Brochures
Accessibility | Contact us
Last update: March 25, 2009