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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 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 Name of Financial Institution
January 31, 2009

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

Sorted by Annual Percentage Rate | Sorted by Annual Fee

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 9.25 V 1 25 15 1,3,4,5,6,10, (888) 262-4010
5STAR BANK (A COLORADO INDUSTRIAL BANK) N- 5STAR VISA PLATINUM 11.9 F 0 25 0 4,9,10, (888) 277-0444
ADIRONDACK TRUST COMPANY, THE NY- VISA 15.0 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 4,5,10, (800) 365-6464
AMERICAN BANK OF THE NORTH MN- AMERICAN BANK VISA REWARDS 6.90 F 0 25 0 2,3,4,5,6, (218) 262-3557
AMERICAN EXPRESS BANK, FSB N- AMERICAN EXPRESS GOLD 13.2 V 1 20 95 N.R. (800) 257-0770
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
AMERICAN SAVINGS BANK, F.S.B. HI- CLASSIC VISA 16.3 F 0 25 0 4,6, (808) 539-7218
AMERICAN STATE BANK TX- AMERICAN STATE BANK VISA 9.90 F 0 25 0 N.R. (800) 725-2006
AMERIPRISE BANK, FSB N- MASTERCARD 4.50 V 1 30 150 N.R. (866) 715-4255
APPALACHIAN COMMUNITY BANK N- VISA CLASSIC 14.9 F 0 15 12 N.R. (706) 276-8000
ARVEST BANK R- VISA 16.9 V 1 25 0 4,6,8, (800) 356-8085
BANCO POPULAR NORTH AMERICA R- MASTER CARD 8.49 V 1 25 0 2,3,4,6,9, (888) 317-9062
BANCORPSOUTH BANK R- MASTERCARD 8.90 V 1 30 0 N.R. (800) 844-2723
BANK MIDWEST, NATIONAL ASSOCIATION R- VISA CLASSIC 11.2 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, (888) 828-1690
BANK OF KENTUCKY, INCORPORATED, THE R- VISA GOLD 10.0 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
BANKERS' BANK OF KANSAS, NATIONAL ASSOCIATION KS- VISA 11.7 V 1 25 0 4, (800) 675-6284
BANNER BANK R- VISA PLATINUM REWARDS 12.0 F 0 25 0 4,6,10, (509) 524-5515
BARCLAYS BANK DELAWARE N- US AIRWAYS WORLD MASTERCARD 13.2 V 1 20 49 3,4,5,6,9, (866) 419-0881
BB&T FINANCIAL, FSB R- VISA 7.15 V 1 25 0 3,4,5,6,9, (800) 976-4228
BMW BANK OF NORTH AMERICA N- VISA 12.5 V 1 22 0 2,3,4,6,9,10, (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 18.1 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- MASTERCARD 9.99 F 0 20 0 N.R. (888) 684-7370
CHEMUNG CANAL TRUST COMPANY NY- VISA BUSINESS CARD 8.65 V 1 25 25 3,4,6, (800) 836-3711
CITIBANK (BANAMEX USA) N- MASTERCARD PLATINUM 7.24 V 1 25 0 1,4,10, (800) 222-1234
CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION N- PLATINUM SELECT MASTERCARD 10.7 V 1 20 0 N.R. (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, (800) 848-8472
CNB BANK N- VISA GOLD 5.25 V 1 30 0 2,3,4,5,6,8,10, (800) 492-3221
COLUMBUS BANK AND TRUST COMPANY N- PLATINUM 7.15 V 1 25 0 N.R. (800) 543-8227
COMMUNITY BANK & TRUST COMPANY PA- VISA 12.0 F 0 25 0 10, (800) 820-4642
COMPASS BANK R- VISA 13.2 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 12.1 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 11.2 V 1 25 20 2,3,4,5,6,8,10, (208) 678-2529
DISCOVER BANK N- DISCOVER MORE CARD 12.5 V 1 25 0 1,4,6,7,9, (800) 347-2683
DOLLAR BANK, A FEDERAL SAVINGS BANK R- VALUED CUSTOMER VISA 10.2 V 1 25 0 1,6,9, (800) 447-2823
FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER OH- FAIRFIELD FEDERAL VISA GOLD 8.00 V 1 25 12 10, (800) 650-0987
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
FIDELITY BANK, THE R- VISA 18.0 F 0 25 12 N.R. (919) 552-2242
FIFTH THIRD BANK R- PLATINUM MASTERCARD 8.99 V 1 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 4, (888) 608-7787
FIRST CITIZENS BANK AND TRUST COMPANY, INC. R- VISA 8.15 V 1 25 0 4,5, (888) 612-4444
FIRST COMMAND BANK N- VISA PLATINUM 4.25 V 1 30 0 2,4,6, (888) 763-7600
FIRST COMMERCIAL BANK AL- VISA PLATINUM 7.15 V 1 20 0 N.R. (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 7.15 V 1 25 0 N.R. (800) 768-3248
FIRST FINANCIAL BANK, NATIONAL ASSOCIATION R- MASTERCARD CLASSIC 9.25 V 1 25 0 N.R. (800) 221-8890
FIRST FINANCIAL BANK, NATIONAL ASSOCIATION R- VISA CLASSIC 15.9 F 0 25 15 N.R. (800) 511-0045
FIRST HAWAIIAN BANK HI- MASTERCARD STANDARD 13.0 F 0 25 0 1,6,10, (800) 342-2778
FIRST INTERSTATE BANK R- VISA SCORECARD 16.0 V 1 25 35 4,5,6,8,9,10, (406) 255-5434
FIRST NATIONAL BANK & TRUST FL- MASTERCARD 14.9 F 0 30 20 N.R. (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, (307) 754-1405
FIRST NATIONAL BANK OF FAIRFIELD, THE MT- VISA CLASSIC 15.6 F 0 25 0 4, (888) 311-2531
FIRST NATIONAL BANK OF IPSWICH, THE N- MASTERCARD 8.75 V 1 0 35 N.R. (800) 944-2726
FIRST NATIONAL BANK OF LITCHFIELD, THE CT- VISA CLASSIC 10.9 F 0 25 0 N.R. (888) 567-1814
FIRST NATIONAL BANK OF OMAHA N- VISA 12.0 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) 553-2500
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 N.R. (800) 423-7503
FIRST TENNESSEE BANK NATIONAL ASSOCIATION MEMPHIS R- VISA 5.15 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
FIRSTBANK OF COLORADO R- VISA 13.9 V 1 25 0 2,4,6, (800) 964-3444
FIRSTMERIT BANK, N.A. R- VISA PLATINUM 7.24 V 1 25 0 2,4,6,9, (888) 554-4362
FRANKLIN TEMPLETON BANK & TRUST F.S.B. N- PLATINUM MASTERCARD 6.74 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 PLATINUM 10.2 V 1 25 0 N.R. (800) 761-8362
HEARTLAND BANK OH- MASTERCARD 11.7 V 1 25 18 4,10, (800) 697-0049
HILLS BANK AND TRUST COMPANY IA- VISA PLATINUM 8.75 V 1 25 0 9, (800) 445-5725
HOME FEDERAL BANK OF TENNESSEE, FSB TN- VISA CLASSIC 12.8 F 0 25 15 6, (800) 299-9842
HSBC BANK USA, NATIONAL ASSOCIATION N- MASTERCARD 11.5 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 10.2 V 1 25 15 3,4,5,6,7, (208) 947-1168
INFIBANK, N.A. N- VISA 12.0 V 1 20 0 1,2,3,4,6,7,9, (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 GOLD (A MASS MAIL CAMPAIGN WAS 8.00 V 1 25 0 4,10, (540) 561-4707
JOHNSON BANK N- ELAN VISA 13.7 V 1 25 0 1,2,3,4,5,6,7,8,9,10, (800) 558-3424
KENTUCKY BANK KY- VISA 11.2 V 1 25 0 N.R. (859) 987-1795
LOS ALAMOS NATIONAL BANK N- VISA 10.5 F 0 30 15 2,3,4,5,6,8, (505) 662-5171
M&I BANK FSB R- VISA CONSUMER 8.24 V 1 25 0 N.R. (800) 642-2657
MERCER SAVINGS BANK OH- VISA 11.9 F 0 25 20 N.R. (419) 586-5159
MERRICK BANK CORPORATION N- VISA CLASSIC 24.5 V 1 25 0 N.R. (800) 253-2322
MORTON COMMUNITY BANK N- VISA GOLD 8.00 V 1 25 0 N.R. (309) 266-5337
NATIONAL BANK OF BLACKSBURG, THE N- STANDARD VISA 13.9 F 0 25 0 N.R. (800) 951-6235
NATIONAL CITY BANK R- EVERYDAY REWARDS VISA 13.0 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- NWC PLATINUM 7.99 V 1 25 0 1,2,6,7,9, (866) 757-2720
NEW MILLENNIUM BANK N- VISA SECURED CREDIT CARD 19.5 F 0 0 59 2,4,5,6, (732) 729-4395
NEWBRIDGE BANK NC- VISA 8.00 V 1 25 0 10, (800) 456-6505
NEWFIELD NATIONAL BANK NJ- VISA 9.99 F 0 25 0 2,4,5,9,10, (800) 690-3440
NORDSTROM FSB N- VISA 10.9 V 1 25 0 3,4,6,10, (800) 964-1800
NORTH SIDE BANK AND TRUST COMPANY, THE R- VISA 6.25 V 1 25 0 3,6,10, (513) 542-7800
NORTHWEST SAVINGS BANK R- VISA CLASSIC 13.8 F 0 25 0 3,6, (877) 300-5768
OHIO VALLEY BANK COMPANY, THE R- VISA 10.3 V 1 25 15 N.R. (740) 441-9148
PARK BANK, THE WI- VISA PLATINUM SCORECARD 6.74 V 1 25 0 2,3,4,5,6,8,9,10, (800) 359-7275
PARK NATIONAL BANK, THE OH- CLASSIC VISA 18.0 F 0 25 12 N.R. (800) 762-2616
PENN SECURITY BANK AND TRUST COMPANY N- MASTERCARD 14.8 F 0 25 0 N.R. (570) 346-7741
PEOPLES FIRST COMMUNITY BANK FL- VISA (CURRENTLY THE LARGEST CREDIT C 10.9 F 0 30 0 9, (800) 624-9699
PINNACLE BANK R- VISA CLASSIC 16.0 V 9 25 0 4,5,6,10, (800) 369-7283
PLAINS COMMERCE BANK N- VISA/MASTER CARD 19.8 F 0 25 39 N.R. (605) 948-2278
PULASKI BANK AND TRUST COMPANY N- VISA CLASSIC / STANDARD 6.50 F 0 25 35 9, (800) 217-7715
QUAD CITY BANK AND TRUST COMPANY R- VISA CLASSIC 9.95 V 1 25 0 4,6,10, (877) 954-0190
RAINIER PACIFIC SAVINGS BANK N- VISA GOLD 8.75 V 1 25 0 N.R. (800) 228-2858
RANDOLPH NATIONAL BANK N- MASTERCARD 9.50 F 0 30 12 5,7, (802) 728-9611
RBC BANK (USA) R- VISA GOLD 9.74 V 1 21 0 2,4,6,8,9, (888) 257-6837
RBS CITIZENS, NATIONAL ASSOCIATION N- MASTERCARD PLATINUM 11.0 F 0 20 0 2,4,6,9,10, (888) 333-5145
ROCKPORT NATIONAL BANK R- MASTERCARD 10.0 V 1 25 0 N.R. (978) 546-3411
S & T BANK PA- VISA CLASSIC 7.50 V 1 25 15 4,6,10, (800) 325-2265
SAVINGS BANK OF MAINE ME- VISA CLASSIC 16.5 T 0 25 0 N.R. (888) 424-4184
SILVERTON BANK, N.A. N- MASTERCARD 11.2 V 1 25 30 4,5,6,7, (800) 854-7642
SIMMONS FIRST NATIONAL BANK OF PINE BLUFF N- VISA 7.25 F 0 25 0 4, (800) 272-2102
SOLVAY BANK NY- VISA CLASSIC 14.9 F 0 25 0 N.R. (315) 468-1661
STATE BANK OF CROSS PLAINS WI- VISA PLATINUM 15.0 F 0 25 35 4,6,8,9,10, (608) 798-5214
STATE FARM BANK, FSB N- PLATINUM REWARDS VISA 9.99 V 1 20 0 1,2,4,6,9, (877) 734-8472
SUNFLOWER BANK, NATIONAL ASSOCIATION N- VISA 4.90 V 1 25 0 3,4,6, (888) 827-5564
SUNTRUST BANK R- SUNTRUST PLATINUM REWARDS VISA 12.2 V 1 20 0 3,4,6,9, (800) 477-9702
TCM BANK, NATIONAL ASSOCIATION N- VISA PLATINUM 13.0 V 1 25 0 2,3,4,6,9,10, (800) 813-0131
TD BANK, N.A. N- SIMPLY FLEXIBLE VISA 13.5 F 0 21 0 3,4,9, (888) 561-8861
TEXAS BANK AND TRUST COMPANY TX- VISA CLASSIC 13.9 F 0 25 0 N.R. (903) 237-5680
TIB THE INDEPENDENT BANKERSBANK N- VISA AND MASTERCARD 12.9 V 1 25 0 N.R. (800) 367-7576
TOWN NORTH BANK NEVADA, NATIONAL ASSOCIATION N- MASTERCARD 7.99 V 9 25 0 4,9, (800) 820-8417
TOYOTA FINANCIAL SAVINGS BANK N- LEXUS PURSUITS VISA 12.0 V 1 25 0 1,3,4,9, (888) 777-5555
TRUSTMARK NATIONAL BANK R- VISA 13.9 V 1 30 0 1,3,4,9, (601) 208-7685
U.S. BANK NATIONAL ASSOCIATION ND R- VISA 5.90 V 1 25 0 9, (800) 285-8585
UMB BANK, NATIONAL ASSOCIATION N- VISA - PLATINUM 9.15 V 1 20 0 4,6,9, (800) 821-5184
UNION BANK AND TRUST COMPANY R- VISA CLASSIC 15.0 V 1 25 0 10, (800) 297-2837
UNITED BANK, INC. R- VISA 10.0 V 1 25 0 10, (800) 242-7600
UNIVEST NATIONAL BANK AND TRUST CO. PA- VISA PLATINUM REWARDS 13.0 F 0 25 0 1, (877) 440-2273
USAA SAVINGS BANK N- MASTERCARD 10.6 V 1 25 0 N.R. (800) 531-8722
VALLEY NATIONAL BANK NJ- MASTERCARD 16.8 F 0 25 0 N.R. (800) 522-4100
WACHOVIA BANK, NATIONAL ASSOCIATION N- VISA PLATINUM WITH REWARDS 8.99 V 1 25 0 9,10, (800) 922-4084
WALLIS STATE BANK, THE TX- WALLIS STATE BANK VISA 14.9 F 0 25 0 4,5,6,8, (979) 478-6151
WAYNE BANK AND TRUST CO. N- PLATINUM VISA 11.0 F 0 25 0 N.R. (888) 769-2963
WELLS FARGO BANK, NATIONAL ASSOCIATION N- VISA 13.3 V 1 25 0 N.R. (800) 642-4720
WELLS FARGO FINANCIAL BANK BRANCH R- VISA 20.4 V 1 25 20 N.R. (605) 336-3933
WELLS FARGO FINANCIAL NATIONAL BANK N- HOME PROJECTS VISA 12.9 V 1 20 0 N.R. (800) 459-8451
WEST SUBURBAN BANK IL- VISA CLASSIC 13.8 V 1 25 0 N.R. (630) 652-2000
WHITNEY NATIONAL BANK R- VISA 9.25 V 1 25 0 N.R. (800) 326-3501
WILMINGTON TRUST COMPANY N- MASTERCARD 13.0 V 4 25 18 4,5,8,10, (800) 523-2378
WORLD FINANCIAL NETWORK NATIONAL BANK N- GANDER MOUNTAIN MASTERCARD GOLD 20.0 V 1 23 0 7, (888) 332-4709
WORLD'S FOREMOST BANK N- CABELA'S VISA CLASSIC (REWARDS) 13.0 V 9 20 0 1,6, (800) 850-8402
YORK STATE BANK AND TRUST COMPANY N- VISA 14.0 F 0 20 0 3,4,6,9,10, (402) 362-4411
ZIONS FIRST NATIONAL BANK R- VISA CLASSIC 12.3 V 1 25 0 2,4,6,10, (888) 758-5349

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Last update: March 25, 2009