Compare 435 rewards credit cards from U.S. banks and credit unions — annual fees, APR, and rewards, side by side.
We currently track 738 rewards credit cards in our full directory, issued by 674 institutions (204 banks and 470 credit unions). The median ongoing APR in this category is 12.99%, and 97% carry no annual fee. The lowest rate we found is 0% (a relationship-based rate, conditional on ongoing eligibility) on the Visa Classic with ScoreCard Rewards from Merchants Bank, National Association (Winona, MN). APR alone spans from 0% up to 22.5% within this one category, and annual fees run as high as $150 — two cards in the same category can be priced very differently. It's worth comparing more than just the headline rewards rate before picking a card in this category. For more on who actually waives annual fees, see our related data study on allcredit.cards Research.