Agreements as filed with the CFPB. Not an offer of credit. How we read them
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What your credit card agreement actually says

We read the 4,587 credit card agreements US issuers filed with the CFPB and published what each one discloses — the rate, the fees, and the parts the document leaves out.

What this site is

Every US credit card issuer has to file its cardholder agreements with the Consumer Financial Protection Bureau, and the CFPB publishes them. That database is the most complete public record of what American credit cards actually cost, and it is close to unusable: 4,587 PDFs with no search across their contents, no comparison, and no straightforward way to tell which document governs which card.

This site reads those documents and publishes what each one says. 2,992 agreements disclosed enough of their pricing to summarise, and each has a page giving its rates, its fees, where it sits against the rest of the database, and a link to the filing itself. The other 1,595 filings are listed on their issuer's page with a link to the document, because a page built from a filing that discloses nothing would say nothing.

What we do not do: rank cards, score them, take applications, or decide what is best for you. We have no way of knowing whether you would be approved for anything here, and the agreement on file is not always the offer an issuer is currently making.

Start with a group

Each of these is built by testing a disclosed value in every agreement on the site.

Credit Cards With a 25-Day Grace Period or Longer

Filings disclosing a grace period of 25 days or more on purchases. Paying the statement balance in full inside the grace period avoids interest on purchases.

All 1983 →

Credit Cards With No Annual Fee

Every card below comes from a filing that states an annual fee of $0. Cards whose filing did not disclose an annual fee at all are excluded — silence is not the same as zero.

All 1523 →

Visa Credit Cards

Cards the filing identifies as running on the Visa network.

All 1363 →

Credit Cards With a Low Maximum Late Fee

Filings that cap the late fee at $25 or less. The figure is the maximum the issuer filed, not necessarily what is charged on a first missed payment.

All 1259 →

Issuers with the most on file

All 798 issuers →

Before you compare anything