Card terms as filed with the CFPB. Not an offer of credit. Advertiser disclosure
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What your credit card agreement actually says

Cards you can apply for, read against the 4,587 cardholder agreements US issuers filed with the CFPB — the rate, the fees, and the parts the document leaves out.

Cards you can apply for today

Real products, read from the issuers' own sites, each with the issuer's application link and whatever its rates and fees are disclosed to be. 783 cards have a page here. See all of them.

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Credit card insights

What APR actually means

The annual rate on a credit card is never charged annually. It is divided by 365, applied to your balance every day, and compounded — which is why 24.99% costs about 28.4% over a year of carrying a balance, and why the number is irrelevant to anyone who pays in full.

Read the guide

Credit Union Credit Cards

Cards issued by credit unions. Credit union cards are open only to members, and the membership rules sit with the institution, not with this site — check them before you apply.

See all 588 cards

What this site is

Every US credit card issuer has to file its cardholder agreements with the Consumer Financial Protection Bureau, and the CFPB publishes them. That database is the most complete public record of what American credit cards actually cost, and it is close to unusable: 4,587 PDFs with no search across their contents, no comparison, and no straightforward way to tell which document governs which card.

So this site is organised around cards, not documents. Every page here is a credit card you can actually apply for: 783 cards from 240 issuers, each with the issuer's own application link, the rates and fees disclosed for it, and the filed agreement cited underneath as the evidence.

We used to publish a page for each filing as well. We stopped: an issuer files documents, not products, so those pages were named after PDFs, carried no application, and gave a reader nothing to do. The documents themselves are still published and still linked — as sources, which is what they are.

What we do not do: rank cards, score them, take applications, or decide what is best for you. We have no way of knowing whether you would be approved for anything here, and the agreement on file is not always the offer an issuer is currently making.

Credit Union Credit Cards

Cards issued by credit unions. Credit union cards are open only to members, and the membership rules sit with the institution, not with this site — check them before you apply.

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Visa Credit Cards

Cards running on the Visa network, by the issuer's own naming or by the network stated in the card's disclosed terms.

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Rewards Credit Cards

Cards the issuer markets as earning rewards, points or miles. The earn rates sit outside the cardholder agreement and are not published here; the price of carrying a balance is what this site reports.

All 282 →

Credit Cards With No Annual Fee

Every card below is one whose disclosed terms state an annual fee of $0. Cards whose terms we do not have, or whose disclosure is silent on the annual fee, are not listed here — silence is not the same as zero.

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Issuers with the most cards here

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