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allcredit.cards Research

Original data studies pulled directly from our directory of 8,500+ U.S. bank and credit union credit cards. 8 studies so far.

Data as of September 15, 2026. On September 16, 2026, the Federal Reserve raised its benchmark rate by 0.25 percentage points. Every specific APR figure below is shown as it stood on September 15, followed by an approximate current estimate (+0.25 points). Averages and gaps between groups are unaffected, since a flat-rate hike shifts everyone by roughly the same amount.
Data study
Bank vs. Credit Union APR: The 6.35-Point Gap
Banks average 18.67% APR, credit unions average 12.32% — a 6.35-point gap across 6445 cards.
Data study
The 10 Highest-APR Credit Cards We Found
Topped by a 36.0% card from a Utah industrial bank — all top 10 are bank-issued, none are credit unions.
Data study
63 Places Where the Secured Card Beats the Standard One on Rate
Usually secured cards cost the same or more. At 63 institutions, they're cheaper — almost all of them credit unions.
Data study
40 Places Where Every Card Costs the Same
3.6% of multi-card issuers in our directory don't actually price by tier — every card is the same rate.
Data study
PA vs. DE: The State-by-State APR Gap
Average APR by issuer HQ state spans 11.41% to 25.64% — driven by where issuers charter, not where cardholders live.
Data study
Banks Waive Annual Fees More Often Than Credit Unions Do
71.0% of bank cards vs 68.4% of credit union cards carry no annual fee. The credit-union advantage is really about APR, not fees.
Data study
13 Credit Unions Still Named After the Employer That Started Them
Boeing, American Airlines, NASA, Campbell's Soup — 220+ credit unions in our directory are still named after the workplace that founded them.
Data study
Does a Bigger Bank Mean a Cheaper Card? Not Really
Splitting issuers into thirds by size: the middle third has the cheapest average rate, not the biggest third.
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