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Federal Survey of Credit Card Plans
Bi-annual Federal Reserve System survey of credit card plan terms offered by financial institutions. 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, 2008, and are subject to change. You should contact issuers for current rates and to learn about other credit card plans.
Codes Used in the List of Plans
Availability: Refers to availability of card to consumers
- N = Nationally
- R = Only in selected states
- State abbreviation = Only in state specified
Type of pricing
- F = Fixed
- V = Variable
- T = Tiered, with different periodic rates for different levels of outstanding balance. Rate shown applies to the lowest of the balance tiers.
Index: The interest rate on variable-rate plans is based on an index. The codes shown in the list of plans correspond to the following indexes:
- 1 = Prime rate
- 2 = One-month Treasury bill rate
- 3 = Three-month Treasury bill rate
- 4 = Six-month Treasury bill rate
- 5 = One-year Treasury bill rate
- 6 = Federal funds rate
- 7 = Cost of funds to card issuer
- 8 = Federal Reserve discount rate
- 9 = Other
- 0 = Not applicable
Other features: Credit card issuers may add enhancements or other features to the plan without charging extra fees. These enhancements may include cash rebates, purchase protections, warranty guarantees, travel accident or automobile rental insurance, discounts on goods and services, and incentives for use such as frequent flyer miles.
- 1 = Rebates on purchases
- 2 = Extension of manufacturer’s warranty
- 3 = Purchase protection/security
- 4 = Travel accident insurance
- 5 = Travel-related discounts
- 6 = Automobile rental insurance
- 7 = Non-travel-related goods and services
- 8 = Credit card registration
- 9 = Reduced introductory interest rate available
- 10 = Other, not specified
- N.R. = Not reported
Browse and apply for a secured or unsecured credit card with the features or rewards you desire.
| 1ST SUMMIT BANK | PA- VISA | 9.50 | V | 1 | 25 | 15 | 1, 3, 4, 5, 6, 10 | (888) 262-4010 | | 3 NORTH MAIN STREET | OH- VISA GOLD | 7.50 | V | 1 | 30 | 50 | 4, | (419) 525-8791 | | 5STAR BANK (A COLORADO INDUSTRIAL BANK) | N- 5STAR VISA PLATINUM | 11.9 | F | 0 | 25 | 0 | 9, | (888) 277-0444 | | ADIRONDACK TRUST COMPANY, THE | NY- VISA | 15.0 | F | 0 | 25 | 15 | 4, 6, | (518) 584-5844 | | AMALGAMATED BANK OF CHICAGO | N- AMALGAMATED BANK OF CHICAGO - MASTER | 9.50 | V | 1 | 25 | 0 | 4, 5, 10, | (800) 365-6464 | | AMERICAN EXPRESS BANK, FSB | N- AMERICAN EXPRESS GOLD | 15.0 | V | 1 | 20 | 95 | N.R. | (800) 257-0770 | | AMERICAN EXPRESS CENTURION BANK | N- BLUE FROM AMERICAN EXPRESS | 8.99 | V | 1 | 20 | 0 | 2, 3, 4, 5, 6, 9, 10, | (800) 528-4800 | | AMERICAN SAVINGS BANK, F.S.B. | HI- CLASSIC VISA | 16.3 | F | 0 | 25 | 24 | 4, 6, | (808) 272-2566 | | AMERICAN STATE BANK | TX- AMERICAN STATE BANK VISA | 9.90 | F | 0 | 25 | 0 | N.R. | (325) 794-1000 | | APPALACHIAN COMMUNITY BANK | N- VISA CLASSIC | 14.9 | F | 0 | 25 | 12 | N.R. | (706) 276-8000 | | ARVEST BANK | R- VISA | 16.9 | V | 1 | 25 | 0 | 4, 6, 8, | (800) 356-8085 | | BANCORPSOUTH BANK | R- MASTERCARD | 8.90 | V | 1 | 30 | 0 | N.R. | (800) 844-2723 | | BANK MIDWEST, NATIONAL ASSOCIATION | R- VISA CLASSIC | 12.9 | V | 1 | 25 | 0 | 2, 4, 6, | (888) 985-4575 | | BANK OF CANTON, THE | MA- VISA CLASSIC | 9.96 | F | 0 | 25 | 0 | 4, 5, 6, 8, 10, | (781) 828-1690 | | BANK OF KENTUCKY, INCORPORATED, THE | R- VISA GOLD | 10.3 | V | 1 | 25 | 0 | 4, 9, | (859) 372-5170 | | BANK OF LOUISIANA | N- VISA AND MASTERCARD | 9.90 | F | 0 | 25 | 0 | N.R. | (800) 353-6454 | | BANK, THE | NJ- VISA | 12.0 | V | 1 | 25 | 0 | 2, 3, 4, 6, | (800) 833-9295 | | BANKERS' BANK OF KANSAS, NATIONAL ASSOCIATION | KS- VISA | 13.4 | V | 1 | 25 | 0 | 4, 6, | (800) 675-6284 | | BAR HARBOR BANK AND TRUST COMPANY | ME- VISA CLASSIC CARD | 14.5 | F | 0 | 25 | 0 | N.R. | (888) 853-7100 | | BARCLAYS BANK DELAWARE | N- US AIRWAYS WORLD MASTERCARD | 15.0 | V | 1 | 20 | 79 | 4, 5, 6, 9, 10, | (866) 419-0881 | | BB&T FINANCIAL, FSB | R- VISA | 9.22 | V | 1 | 25 | 0 | 3, 4, 5, 6, 9, | (800) 476-4228 | | BMW BANK OF NORTH AMERICA | N- VISA | 11.0 | V | 1 | 22 | 0 | 1, 2, 3, 4, 6, 10, | (888) 269-2273 | | BOONE COUNTY NATIONAL BANK OF COLUMBIA, THE | R- MASTERCARD/VISA | 17.4 | F | 0 | 25 | 0 | 1, 4, 5, 7, 9, | (800) 445-9272 | | CAPITAL ONE BANK (USA), NATIONAL ASSOCIATION | N- MASTERCARD | 19.6 | V | 1 | 25 | 0 | N.R. | (800) 955-7070 | | CENTRAL BANK & TRUST COMPANY | KY- VISA | 18.0 | F | 0 | 25 | 20 | N.R. | (800) 637-6884 | | CENTRAL TRUST BANK, THE | R- MASTERCARD / VISA | 17.4 | F | 0 | 25 | 0 | 1, 4, 5, 7, 9, | (800) 445-9272 | | CHASE BANK USA, NATIONAL ASSOCIATION | N- VISA | 7.99 | F | 0 | 20 | 0 | N.R. | (888) 684-7370 | | CHEMUNG CANAL TRUST COMPANY | NY- VISA BUSINESS CARD | 10.4 | V | 1 | 25 | 25 | 3, 4, 6, | (607) 737-3761 | | CITIBANK (BANAMEX USA) | N- MASTERCARD PLATINUM | 8.99 | V | 1 | 25 | 0 | 4, 10, | (800) 222-1234 | | CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION | N- MASTERCARD | 16.5 | V | 1 | 20 | 0 | 9, | (800) 950-5114 | | CITIZENS FIRST BANK | FL- VISA PLATINUM | 12.0 | F | 0 | 25 | 0 | 2, 4, 6, 10, | (352) 259-3274 | | CITY NATIONAL BANK | R- VISA BUSINESS | 16.0 | F | 0 | 25 | 50 | 2, 3, 4, 6, 10, | (800) 221-5920 | | CITY NATIONAL BANK OF TAYLOR, THE | TX- VISA AND MASTERCARD | 13.9 | F | 0 | 25 | 0 | 4, 6, | (512) 671-2221 | | CNB BANK | N- VISA | 14.9 | F | 0 | 30 | 15 | 3, 4, 5, 6, 8, | (800) 492-3221 | | COLUMBIA RIVER BANK | R- VISA CLASSIC | 18.0 | F | 0 | 25 | 0 | 4, 5, 8, 10, | (541) 298-6607 | | COLUMBUS BANK AND TRUST COMPANY | N- PLATINUM | 8.90 | V | 1 | 25 | 0 | N.R. | (800) 543-8227 | | COMMERCE BANK, NATIONAL ASSOCIATION | R- SPECIAL CONNECTIONS | 16.5 | V | 1 | 25 | 0 | 4, 6, 9, | (800) 645-2103 | | COMMUNITY BANK & TRUST COMPANY | PA- VISA | 12.0 | F | 0 | 25 | 0 | 10, | (800) 820-4642 | | COMMUNITY FIRST BANK | AR- MASTERCARD | 8.99 | F | 0 | 25 | 50 | 10, | (870) 391-8059 | | COMPASS BANK | R- VISA | 18.2 | V | 9 | 25 | 0 | N.R. | (800) 239-5175 | | COPPERMARK BANK | R- MASTERCARD | 16.2 | V | 1 | 25 | 15 | N.R. | (405) 593-1557 | | COREFIRST BANK & TRUST | R- VISA CLASSIC | 13.9 | V | 1 | 25 | 0 | 4, 6, 9, | (785) 267-8900 | | CREDIT ONE BANK, NATIONAL ASSOCIATION | N- VISA | 23.9 | F | 0 | 25 | 69 | N.R. | (877) 825-3242 | | D. L. EVANS BANK | N- VISA CLASSIC | 12.9 | V | 1 | 25 | 20 | 2, 3, 4, 5, 6, 8, 10, | (208) 678-2529 | | DELAWARE NATIONAL BANK | R- VISA | 12.0 | V | 1 | 25 | 0 | 2, 3, 4, 6, | (800) 833-9295 | | DISCOVER BANK | N- DISCOVER MORE CARD (PLATINUM) | 14.0 | V | 1 | 25 | 0 | 1, 4, 6, 7, 9, | (800) 347-2683 | | DOLLAR BANK, A FEDERAL SAVINGS BANK | R- VALUED CUSTOMER VISA | 12.0 | V | 1 | 25 | 0 | 1, 6, | (800) 447-2823 | | FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER | OH- FAIRFIELD FEDERAL VISA GOLD | 9.00 | V | 1 | 25 | 12 | 10, | (800) 650-0987 | | FIA CARD SERVICES, N.A. | N- BANK OF AMERICA PLATINUM PLUS VISA | 12.2 | V | 1 | 20 | 0 | 3, 4, 6, 10, | (800) 932-2775 | | FIFTH THIRD BANK | R- PLATINUM MASTERCARD | 8.99 | V | 2 | 20 | 0 | 3, 4, 6, 8, 9, 10, | (877) 579-5353 | | FIRST BANK & TRUST EAST TEXAS | TX- VISA CLASSIC | 13.9 | F | 0 | 25 | 0 | N.R. | (888) 608-7787 | | FIRST COMMAND BANK | N- VISA PLATINUM | 6.00 | V | 1 | 30 | 0 | 2, 4, 6, | (888) 763-7600 | | FIRST COMMERCIAL BANK | AL- VISA PLATINUM | 8.90 | V | 1 | 20 | 0 | 4, 6, 9, | (800) 543-8227 | | FIRST COUNTY BANK | CT- VISA CLASSIC | 14.2 | V | 1 | 25 | 25 | N.R. | (203) 462-4200 | | FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION | N- VISA | 8.90 | V | 1 | 25 | 0 | N.R. | (800) 768-3248 | | FIRST FINANCIAL BANK, NATIONAL ASSOCIATION | R- MASTERCARD CLASSIC | 10.3 | V | 1 | 25 | 0 | N.R. | (800) 221-8890 | | FIRST FINANCIAL BANK, NATIONAL ASSOCIATION | R- VISA CLASSIC | 15.9 | F | 0 | 25 | 15 | 4, 6, | (800) 511-0045 | | FIRST HAWAIIAN BANK | HI- MASTERCARD STANDARD | 16.5 | F | 0 | 25 | 25 | 1, 6, 10, | (800) 342-2778 | | FIRST INTERSTATE BANK | R- VISA SCORECARD | 17.0 | V | 1 | 25 | 35 | 4, 5, 6, 10, | (888) 791-4071 | | FIRST NATIONAL BANK & TRUST | FL- MASTERCARD | 14.9 | F | 0 | 30 | 20 | 1, 9, | (850) 796-2020 | | 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, | (800) 377-6906 | | FIRST NATIONAL BANK OF FAIRFIELD, THE | MT- VISA CLASSIC | 15.6 | F | 0 | 25 | 0 | 5, 7, | (406) 467-2531 | | FIRST NATIONAL BANK OF IPSWICH, THE | N- MASTERCARD | 10.5 | V | 1 | 0 | 35 | N.R. | (800) 944-2726 | | FIRST NATIONAL BANK OF LITCHFIELD, THE | CT- VISA CARD | 10.9 | F | 0 | 25 | 0 | N.R. | (888) 567-1814 | | FIRST NATIONAL BANK OF OMAHA | N- VISA | 13.0 | V | 1 | 20 | 0 | 1, 2, 3, 4, 6, 7, 9, | (888) 530-3626 | | FIRST NATIONAL BANK OF ST. LOUIS | R- MASTERCARD / VISA | 17.4 | F | 0 | 25 | 0 | 1, 4, 5, 7, 9, | (800) 445-9272 | | FIRST NATIONAL BANK OF THE MID-CITIES | N- MASTERCARD REGULAR AND GOLD | 13.9 | F | 0 | 25 | 0 | N.R. | (817) 553-2513 | | FIRST SECURITY BANK | AR- VISA | 9.99 | F | 0 | 25 | 0 | 1, 3, 4, 6, | (501) 278-2133 | | FIRST STATE BANK | NM- MASTERCARD CLASSIC | 15.2 | F | 0 | 25 | 0 | 4, | (800) 423-7503 | | FIRST TENNESSEE BANK NATIONAL ASSOCIATION MEMPHIS | R- VISA | 6.90 | V | 1 | 25 | 0 | 4, 6, 9, | (800) 234-2840 | | FIRST-CITIZENS BANK & TRUST COMPANY | R- VISA GOLD | 8.00 | V | 1 | 25 | 0 | 4, 10, | (540) 561-4707 | | FIRST-KNOX NATIONAL BANK OF MOUNT VERNON, THE | OH- VISA CLASSIC | 14.2 | V | 1 | 30 | 0 | 4, | (740) 399-5500 | | FIRSTBANK OF COLORADO | R- VISA | 14.9 | V | 1 | 25 | 0 | 2, 4, 6, | (800) 964-3444 | | FIRSTMERIT BANK, N.A. | R- VISA PLATINUM | 7.50 | V | 1 | 25 | 0 | 2, 4, 6, 9, | (888) 554-4362 | | FNB BANK, NATIONAL ASSOCIATION | PA- VISA | 12.0 | V | 1 | 25 | 0 | 2, 3, 4, 6, | (800) 833-9295 | | FRANKLIN TEMPLETON BANK & TRUST F.S.B. | N- PLATINUM MASTERCARD | 8.49 | V | 1 | 25 | 0 | 2, 3, 4, 6, 10, | (800) 238-2761 | | GE MONEY BANK | N- DISCOVER CARD | 15.1 | V | 1 | 0 | 0 | N.R. | (800) 417-8321 | | GREENVILLE NATIONAL BANK | OH- GREENVILLE NATIONAL BANK VISA | 17.9 | F | 0 | 25 | 0 | N.R. | (937) 548-1114 | | HAWTHORN BANK | MO- MASTERCARD | 16.9 | F | 0 | 25 | 0 | N.R. | (800) 761-8362 | | HEARTLAND BANK | OH- MASTERCARD | 12.4 | V | 1 | 25 | 18 | 4, 10, | (800) 697-0049 | | HILLS BANK AND TRUST COMPANY | IA- VISA PLATINUM | 7.00 | V | 1 | 25 | 0 | N.R. | (800) 445-5725 | | HOME FEDERAL BANK OF TENNESSEE, FSB | TN- VISA CLASSIC | 12.8 | F | 0 | 25 | 15 | N.R. | (865) 544-3954 | | HSBC BANK USA, NATIONAL ASSOCIATION | N- MASTERCARD | 14.2 | V | 1 | 20 | 0 | 3, 4, 5, 9, 10, | (877) 700-4722 | | HUNTINGTON STATE BANK | TX- VISA | 13.9 | F | 0 | 25 | 0 | N.R. | (936) 639-5566 | | IDAHO INDEPENDENT BANK | N- VISA | 11.9 | V | 1 | 25 | 15 | 3, 4, 5, 6, 7, | (208) 947-1168 | | INFIBANK, N.A. | N- VISA | 13.0 | V | 1 | 20 | 0 | 1, 2, 3, 4, 5, 6, 7, 9, | (877) 875-8078 | | INTRUST BANK, NATIONAL ASSOCIATION | N- VISA PLATINUM | 10.9 | V | 1 | 25 | 0 | N.R. | (800) 222-7458 | | IRONSTONE BANK | R- VISA PLATINUM | 8.00 | V | 1 | 25 | 0 | 4, | (540) 561-4707 | | KENTUCKY BANK | KY- VISA | 12.9 | V | 1 | 25 | 0 | N.R. | (859) 987-1795 | | LAFAYETTE AMBASSADOR BANK | PA- VISA | 12.0 | V | 1 | 25 | 0 | 2, 3, 4, 6, | (717) 581-3672 | | LOS ALAMOS NATIONAL BANK | N- VISA | 10.5 | F | 0 | 25 | 15 | N.R. | (505) 662-5171 | | M&I BANK FSB | R- VISA CONSUMER | 9.99 | V | 1 | 25 | 0 | N.R. | (800) 642-2657 | | MERCER SAVINGS BANK | OH- VISA | 11.9 | F | 0 | 25 | 20 | 9, | (419) 586-5159 | | MERRICK BANK CORPORATION | N- VISA CLASSIC | 24.5 | V | 1 | 25 | 0 | N.R. | (800) 253-2322 | | NATIONAL CITY BANK | R- EVERYDAY REWARDS VISA | 9.99 | V | 1 | 20 | 0 | 1, 2, 3, 4, 6, | (800) 282-7541 | | NATIONAL GRAND BANK OF MARBLEHEAD | MA- MASTERCARD | 16.5 | F | 0 | 25 | 0 | N.R. | (781) 631-6000 | | NATIONWIDE BANK | N- AAB PLATINUM | 8.99 | V | 1 | 25 | 0 | 1, 2, 6, 7, 9, | (866) 757-2720 |
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