Best Credit Cards in United States — Compare 90 Cards
Every credit card we can verify as issued in United States — 90 cards from 14 banks — with the minimum salary, annual fee, interest rate and salary-transfer rule each bank publishes. Filter them below, or use the guided finder.
Best credit cards in United States — our picks
One card per job, chosen by a stated rule, with the number that wins it. No bank holds two slots while another qualifies.
No annual fee, and at 17.49% a year it is among the cheaper cards to carry a balance on.
Chosen by: Zero or permanently waived annual fee, then the lowest published interest rate. Picked from 56 qualifying cards.
View on td.com Opens TD Bank's own page for this card
You do not have to move your salary to this bank.
Chosen by: Bank does not require your salary to be transferred to it, then the lowest minimum salary. Picked from 81 qualifying cards.
Go to wellsfargo.com Wells Fargo Bank's site — this card is not linked directly
Airport lounge access with no annual fee at all.
Chosen by: Publishes airport lounge access, then the lowest annual fee. Picked from 6 qualifying cards.
Go to truist.com Truist Financial Corporati's site — this card is not linked directly
At 15.49% a year this is the cheapest published rate we hold for this market — it only matters if you revolve a balance.
Chosen by: Lowest published monthly interest / profit rate in this market. Picked from 90 qualifying cards.
View on citizensbank.com Opens Citizens Bank's own page for this card
Headline cashback of up to 6% — check which categories it applies to before you assume it covers everything.
Chosen by: Highest published headline cashback rate. Picked from 40 qualifying cards.
Card details On Buzdy — no verified issuer link on file yetCompare all 90 United States credit cards
Figures are as each bank publishes them. 0 of 90 cards state a minimum monthly salary, 79 state an annual fee, 90 state an interest or profit rate and 81 state whether a salary transfer is required. A dash means the bank does not publish that figure — not that it is zero.
Default ranking: cards are ordered by how much of the decision they let you make — how many of the four numbers (minimum salary, annual fee, rate, salary transfer) the bank publishes, then how many benefits are documented, then user rating. It is not a paid placement and it is not alphabetical. Use the sort links in the table header to rank by fee, rate or salary instead.
Showing 30 of 90 cards.
Every figure comes from the issuing bank's own published terms, stored per card. Country attribution uses the product's own market, not the bank's branch footprint, so a multinational's Hong Kong catalogue never appears here. Interest and profit rates are annualised figures as published; a few banks quote a monthly rate instead, so confirm the basis with the issuer before you compare two cards on rate alone. 9 of these 90 cards link straight to the bank's own page for that card; the rest link to the bank's site or to our card record. We do not have an application relationship with most of these issuers and do not pretend to. Verify the current terms with the bank before you apply.
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Four questions — salary, spending, and what matters most — and we shortlist five of the 90 cards above for you.
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More about credit cards in United States
The 90 cards compared above are every credit card we can attribute to United States itself, from 14 issuing banks — a card is counted here only when the product's own market and the issuing bank agree, so a multinational's catalogue from another country is never folded in. Figures are in USD as published by each bank.
Looking for a credit card, a loan or a savings account in the United States?
Compare what banks in the United States actually offer — rates, fees and eligibility, updated for 2026.
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United States — frequently asked questions
Which credit cards have no annual fee in United States?
Active Cash Card (Wells Fargo Bank), Bilt Mastercard® (Wells Fargo Bank), Autograph Card (Wells Fargo Bank), Wells Fargo Reflect Card (Wells Fargo Bank) are among the 62 cards in our United States data with a zero or waived annual fee.
What is the best cashback credit card in United States?
We track 40 cashback cards in United States. Active Cash Card from Wells Fargo Bank publishes: For every $1.00 you spend for net purchases, you earn two cents ($0.02) in Cash Rewards. The right one depends on where you actually spend — the finder above ranks them for your profile.
How does the card finder pick a card?
It scores every card we hold for United States against your salary, your biggest spending category and whether you want cashback, miles, no fee or a Shariah-compliant card, then shows the top five with the reasons for each.