Best Credit Cards

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  • APRs Ranging From 0 to 22.24%
  • Annual Fees Ranging From $0 to $85
  • Late Payment Penalties Up to $35

PNC

  • APRs Ranging From 0 to 22.24%
  • Annual Fees Ranging From $0 to $85
  • Late Payment Penalties Up to $35
  • APRs ranging from 0 to 16.49 percent
  • No annual fees
  • Late payment penalties up to $37

Merrill Lynch

  • APRs ranging from 0 to 16.49 percent
  • No annual fees
  • Late payment penalties up to $37
  • APRs ranging from 6.15 to 17.15 percent
  • Annual fees ranging from $0 to $50
  • Late payment penalties up to $25

OnPoint Community Credit Union

  • APRs ranging from 6.15 to 17.15 percent
  • Annual fees ranging from $0 to $50
  • Late payment penalties up to $25
  • APRs ranging from 0 to 23.74 percent
  • Annual fees ranging from $0 to $40
  • Late payment penalties up to $37

BBVA Compass

  • APRs ranging from 0 to 23.74 percent
  • Annual fees ranging from $0 to $40
  • Late payment penalties up to $37
  • APRs ranging from 0 to 17.24 percent
  • Annual fees ranging from $0 to $450
  • Late payment penalties up to $37

Charles Schwab

  • APRs ranging from 0 to 17.24 percent
  • Annual fees ranging from $0 to $450
  • Late payment penalties up to $37
  • APRs ranging from 3.9 to 18.0 percent
  • No annual fees
  • Late payment penalties up to $20

Randolph-Brooks Federal Credit Union

  • APRs ranging from 3.9 to 18.0 percent
  • No annual fees
  • Late payment penalties up to $20
  • APRs ranging from 0 to 23.49 percent
  • No annual fees
  • Late payment penalties of up to $25

Alliant Credit Union

  • APRs ranging from 0 to 23.49 percent
  • No annual fees
  • Late payment penalties of up to $25
  • APRs ranging from 0 to 23.24 percent
  • No annual fees
  • Late payment penalties up to $35

Ally

  • APRs ranging from 0 to 23.24 percent
  • No annual fees
  • Late payment penalties up to $35
  • APRs ranging from 0 to 23.24 percent
  • No annual fees
  • Late payment penalties up to $35

Bank of the West

  • APRs ranging from 0 to 23.24 percent
  • No annual fees
  • Late payment penalties up to $35
  • APRs ranging from 5.24 to 18 percent
  • No annual fees
  • Late payment penalties of up to $25

Unify Financial Credit Union

  • APRs ranging from 5.24 to 18 percent
  • No annual fees
  • Late payment penalties of up to $25
  • APRs Ranging From 0 to 22.24%
  • Annual Fees Ranging From $0 to $85
  • Late Payment Penalties Up to $35

For over 160 years, PNC has provided banking and other financial services, including loans and credit cards, to individuals, small businesses, corporations, and government entities.

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  • APRs ranging from 0 to 16.49 percent
  • No annual fees
  • Late payment penalties up to $37

Merrill Lynch is a well-known wealth management company that was founded in 1914 in New York City, New York. The company was acquired by Bank of America in 2013. Merrill Lynch offers an extensive range of financial products and services, including Visa Signature credit cards with no annual or foreign transaction fees and various reward benefits. The financial services company is not FDIC-insured and its financial products and services are not bank-guaranteed.

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  • APRs ranging from 6.15 to 17.15 percent
  • Annual fees ranging from $0 to $50
  • Late payment penalties up to $25

Originally founded in 1932 as Portland Teachers Credit Union, OnPoint Community Credit Union has rebranded and expanded its charter to become the largest community-owned financial institution in Oregon. With a community charter granted in 2005, and was later expanded in 2007, 2009, and 2011, the organization has grown to expand its membership eligibility to those living or working in thirteen counties in Oregon and two counties in Washington. Currently the credit union allows membership to those living or working in Benton, Clackamas, Crook, Columbia, Deschutes, Jefferson, Lane, Linn, Marion, Multnomah, Polk, Washington, and Yamhill counties in Oregon and Clark and Skamania counties in Washington. Family members of current members are also eligible for membership. The credit union offers its customers all of the financial products that one would expect from checking/savings accounts to loans, mortgages, and credit cards.

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  • APRs ranging from 0 to 23.74 percent
  • Annual fees ranging from $0 to $40
  • Late payment penalties up to $37

BBVA Compass is a international banking institution with over 688 branches throughout California, New Mexico, Florida, Alabama, Texas, Arizona, Colorado, and New Mexico. The company was founded in 1857 and offers its customers a wide variety of financial products and services. BBVA Compass offers a ClearPoints credit card with no annual fee and a flexible rewards program. Other credit card options are also available with their own distinct features and benefits.

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  • APRs ranging from 0 to 17.24 percent
  • Annual fees ranging from $0 to $450
  • Late payment penalties up to $37

Charles Schwab is a well-known financial investment firm founded in 1973 and headquartered in San Francisco, California. The company offers its customers a comprehensive arrangement of financial products and services to choose from. Charles Schwab also offers American Express credit card options that include a comprehensive membership program, investor benefits, and financial education resources. The company's brokerage products are not FDIC-insured or bank-guaranteed.

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  • APRs ranging from 3.9 to 18.0 percent
  • No annual fees
  • Late payment penalties up to $20

Randolph-Brooks Federal Credit Union (RBFCU) is a member-owned and not-for-profit cooperative whose chartership began in 1952 in Universal City, Texas. According to its corporate website, the financial services company serves more than 500,000 members and has over $6 billion in total assets. RBFCU is federally insured by the National Credit Union Administration and has over 50 service branches throughout South Central Texas. RBFCU offers two main MasterCard credit card options for its members with various features and rates.

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  • APRs ranging from 0 to 23.49 percent
  • No annual fees
  • Late payment penalties of up to $25

Alliant Credit Union was founded as the United Airlines Employees' Credit Union in 1935 and has since grown to become the eighth-largest credit union in the United States. Alliant has over 335,000 members and manages more than $9.3 billion. Alliant offer two credit cards, Platinum and Platinum Rewards, with APR rates ranging from 9.49 to 23.49 percent.

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  • APRs ranging from 0 to 23.24 percent
  • No annual fees
  • Late payment penalties up to $35

Ally Financial Inc. is a digital financial services company that provides a comprehensive range of products and services for its customers. The company started out as an auto financing service company for GM dealers called GMAC in 1919 and changed its name in 2009 to Ally Financial. Its current services include credit, lending, auto financing, and online banking. The company offers its customers an Ally CashBack card that rewards them for frequent gas and grocery purchases. According to the corporate website, this credit card is issued by TD Bank.

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  • APRs ranging from 0 to 23.24 percent
  • No annual fees
  • Late payment penalties up to $35

Bank of the West was founded in 1874 as the Farmers National Gold Bank and is currently a subsidiary of the European company BNP Paribas. Bank of the West offers an extensive array of financial products and services to customers in over 600 offices throughout 23 states. According to its corporate website, the company currently has more than $80.7 billion in assets. Bank of the West offers multiple MasterCard credit card choices for customers to choose from.

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  • APRs ranging from 5.24 to 18 percent
  • No annual fees
  • Late payment penalties of up to $25

In the 1940s, Unify Financial Credit Union was known as Western Air Federal Credit Union by employees of Western Airlines. Today, Unify has over $2 billion in assets, nationwide branches, and more 190,000 account holders. Unify Financial Credit Union offers five credit cards for consumers to choose from: the Visa Classic, the Visa Gold, the Visa Platinum, the Visa Share Secured, and the Engage Rewards Visa Signature.

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