The median first late fee on credit card plans was $29 in the second half of 2025, across the 550 plans in the CFPB’s card survey that listed a dollar amount. At the 25 largest issuers, the median fee for a second late payment within six billing cycles was $40.
Of the 663 plans in the survey, 654 charge late fees. Plans from the largest issuers had a median first fee of $29, against $25 at smaller banks and credit unions. The highest first fee listed was $41, and 24.2% of plans listed a first fee of $30 or more. The median first fee has been $29 in each of the last four survey periods.
A CFPB rule that would have set an $8 safe harbor for late fees at large issuers never took effect. A federal court in Texas vacated it on April 15, 2025, at the joint request of the CFPB and the industry groups that had sued.
Late fees by survey period
| Survey period | Plans | Median first late fee | Top 25 issuers | Other issuers | Median repeat fee, top 25 | Median repeat fee, others |
|---|---|---|---|---|---|---|
| January–June 2024 | 628 | $29 | $29 | $25 | $40 | $35 |
| July–December 2024 | 566 | $29 | $29 | $25 | $40 | $35 |
| January–June 2025 | 547 | $29 | $29 | $25 | $40 | $25 |
| July–December 2025 | 663 | $29 | $29 | $25 | $40 | $30 |
Every card plan, July–December 2025
| Issuer | Card plan | Top 25 issuer | First late fee | Repeat late fee |
|---|---|---|---|---|
| 1st Community Federal Credit Union | Platinum Visa Card with and without Rewards. | No | $25 | – |
| 360 Federal Credit Union | Business Rewards | No | $35 | – |
| 360 Federal Credit Union | Platinum Reward | No | – | – |
| 360 Federal Credit Union | Secure Classic | No | – | – |
| 360 Federal Credit Union | Traditional Classic | No | – | – |
| Achieve Financial Credit Union | Platinum Rewards Visa | No | $25 | $25 |
| Advanced Financial Federal Credit Union | Advanced Financial FCU Everyday Rewards Visa | No | $35 | – |
| Alabama State Employees Credit Union | Credit Card Agreement 11-2024 | No | $25 | $25 |
| Alcoa Community Federal Credit Union | Platinum Visa | No | $25 | – |
| Align Credit Union | Align Visa | No | – | – |
| Allegius Federal Credit Union | Visa Credit Card | No | $15 | – |
| Altonized Community Federal Credit Union | Altonized Community Federal Credit Union VISA Card | No | $25 | – |
| America First Federal Credit Union | Visa Classic Standard Rate | Yes | – | – |
| American Express National Bank | American Express® Gold Card | Yes | $29 | $40 |
| American Express National Bank | American Express® Green Card | Yes | $29 | $40 |
| American Express National Bank | Blue Cash Everyday® Card | Yes | $29 | $40 |
| American Express National Bank | Blue Cash Preferred® Card | Yes | $29 | $40 |
| American Express National Bank | Centurion® Card from American Express | Yes | $29 | $40 |
| American Express National Bank | Delta SkyMiles® Blue American Express Card | Yes | $29 | $40 |
| American Express National Bank | Delta SkyMiles® Gold American Express Card | Yes | $29 | $40 |
| American Express National Bank | Delta SkyMiles® Platinum American Express Card | Yes | $29 | $40 |
| American Express National Bank | Delta SkyMiles® Reserve American Express Card | Yes | $29 | $40 |
| American Express National Bank | Hilton Honors American Express Aspire Card | Yes | $29 | $40 |
| American Express National Bank | Hilton Honors American Express Card | Yes | $29 | $40 |
| American Express National Bank | Hilton Honors American Express Surpass® Card | Yes | $29 | $40 |
| American Express National Bank | Marriott Bonvoy Bevy™ American Express® Card | Yes | $29 | $40 |
| American Express National Bank | Marriott Bonvoy Brilliant® American Express® Card | Yes | $29 | $40 |
| American Express National Bank | Morgan Stanley Blue Cash Preferred® American Express Card | Yes | $29 | $40 |
| American Express National Bank | The Charles Schwab Investor Credit Card® from American Express | Yes | $29 | $40 |
| American Express National Bank | The Platinum Card® | Yes | $29 | $40 |
| American Express National Bank | The Platinum Card® from American Express exclusively for Morgan Stanley | Yes | $29 | $40 |
| American Express National Bank | The Platinum Card® from American Express for Charles Schwab | Yes | $29 | $40 |
| American Express National Bank | The Platinum Card® from American Express for Goldman Sachs | Yes | $29 | $40 |
| Apl Federal Credit Union | APL FCU CLASSIC VISA CARD | No | – | – |
| Arkansas Best Federal Credit Union | ABFCU Classic Credit cards | No | $20 | – |
| Arkansas Federal Credit Union | Platinum Classic | No | $29 | – |
| Associated Healthcare Credit Union | Premier | No | $35 | – |
| Associated Healthcare Credit Union | Signature Rewards | No | $35 | – |
| Avadian Credit Union | Secured Visa | No | $25 | – |
| Avadian Credit Union | Signature Visa | No | $25 | – |
| Avadian Credit Union | Visa Traditional Rewards | No | $25 | – |
| Bangor Savings Bank | everBlue Cash Back Plus Mastercard | No | $29 | $40 |
| Bank Of America, National Association | Air France KLM World Elite Mastercard | Yes | $29 | $40 |
| Bank Of America, National Association | Allways Rewards Visa | Yes | $29 | $40 |
| Bank Of America, National Association | Atmos Rewards Ascent Visa Signature | Yes | $29 | $40 |
| Bank Of America, National Association | Atmos Rewards Summit Visa Infinite | Yes | $29 | $40 |
| Bank Of America, National Association | Bank of America Customized Cash Rewards | Yes | $29 | $40 |
| Bank Of America, National Association | Bank of America Customized Cash Rewards – Secured | Yes | $29 | $40 |
| Bank Of America, National Association | Bank of America Premium Rewards | Yes | $29 | $40 |
| Bank Of America, National Association | Bank of America Premium Rewards Elite | Yes | $29 | $40 |
| Bank Of America, National Association | Bank of America Travel Rewards | Yes | $29 | $40 |
| Bank Of America, National Association | Bank of America Travel Rewards – Secured | Yes | $29 | $40 |
| Bank Of America, National Association | Bank of America Unlimited Cash Rewards | Yes | $29 | $40 |
| Bank Of America, National Association | Bank of America Unlimited Cash Rewards – Secured | Yes | $29 | $40 |
| Bank Of America, National Association | BankAmericard | Yes | $29 | $40 |
| Bank Of America, National Association | BankAmericard – Secured | Yes | $29 | $40 |
| Bank Of America, National Association | CTA Rate Smart Card | Yes | $29 | $40 |
| Bank Of America, National Association | Celebrity Cruises Visa Signature | Yes | $29 | $40 |
| Bank Of America, National Association | Free Spirit Travel More World Elite Mastercard | Yes | $29 | $40 |
| Bank Of America, National Association | Free Spirit Travel World Mastercard | Yes | $29 | $40 |
| Bank Of America, National Association | MTA Rate Smart Card | Yes | $29 | $40 |
| Bank Of America, National Association | NEA Rate Smart Card | Yes | $29 | $40 |
| Bank Of America, National Association | Norwegian Cruise Line World Mastercard | Yes | $29 | $40 |
| Bank Of America, National Association | Royal Caribbean Visa Signature | Yes | $29 | $40 |
| Bank Of America, National Association | Sandals Visa Signature | Yes | $29 | $40 |
| Barclays Bank Delaware | AARP Essential Rewards Mastercard from Barclays | Yes | $28 | $39 |
| Barclays Bank Delaware | AARP Travel Rewards Mastercard from Barclays | Yes | $28 | $39 |
| Barclays Bank Delaware | AAdvantage Aviator Red World Elite Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | Athleta Rewards Mastercard | Yes | $30 | $41 |
| Barclays Bank Delaware | Banana Republic Rewards Mastercard | Yes | $30 | $41 |
| Barclays Bank Delaware | Barnes & Noble Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | Bluegreen Rewards Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | Breeze Easy Visa Signature | Yes | $29 | $40 |
| Barclays Bank Delaware | Capital Vacations World Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | Carnival World Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | Emirates Skywards Premium World Elite Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | Emirates Skywards Rewards World Elite Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | Frontier Airlines World Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | GM Rewards Mastercard | Yes | $30 | $41 |
| Barclays Bank Delaware | Gap Good Rewards Mastercard | Yes | $30 | $41 |
| Barclays Bank Delaware | Hawaiian World Elite Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | Holland America Line Rewards Visa Card | Yes | $29 | $40 |
| Barclays Bank Delaware | JetBlue Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | JetBlue Plus Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | JetBlue Premier Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | JetBlue Travel Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | Mastercard – Platinum | Yes | $30 | $41 |
| Barclays Bank Delaware | Mastercard Black Card | Yes | $29 | $40 |
| Barclays Bank Delaware | Mastercard Gold Card | Yes | $29 | $40 |
| Barclays Bank Delaware | Mastercard Titanium Card | Yes | $29 | $40 |
| Barclays Bank Delaware | Miles & More World Elite Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | Old Navy Mastercard | Yes | $30 | $41 |
| Barclays Bank Delaware | Priceline VIP Rewards Visa Card | Yes | $29 | $40 |
| Barclays Bank Delaware | Princess Cruises Rewards Visa Card | Yes | $29 | $40 |
| Barclays Bank Delaware | RCI® Elite Rewards® Mastercard® | Yes | $29 | $40 |
| Barclays Bank Delaware | UPromise World Mastercard | Yes | $29 | $40 |
| Barclays Bank Delaware | Wyndham Rewards Earner® Card | Yes | $29 | $40 |
| Barclays Bank Delaware | Wyndham Rewards Earner® Card | Yes | $29 | $40 |
| Barclays Bank Delaware | Wyndham Rewards Earner® Access Card | Yes | $29 | $40 |
| Barclays Bank Delaware | Wyndham Rewards Earner® Plus Card | Yes | $29 | $40 |
| Bellwether Community Credit Union | Smart Rate Card | No | $27 | $35 |
| Bellwether Community Credit Union | Smart Rewards Card | No | – | – |
| Blucurrent Credit Union | BluCurrent Classic Card | No | $15 | $15 |
| Blucurrent Credit Union | BluCurrent Platinum Card | No | $15 | $15 |
| Blue Ridge Bank, National Association | Edge Consumer | No | $25 | $39 |
| Bluestone Federal Credit Union | Visa Classic Credit Card | No | $12 | $12 |
| Boeing Employees' Credit Union | BECU Cash Back Consumer Credit Card | Yes | $25 | $25 |
| Boeing Employees' Credit Union | BECU Cash Back Secured Consumer Credit Card | Yes | $25 | $25 |
| Boeing Employees' Credit Union | BECU Traditional Consumer Credit Card | Yes | $25 | $25 |
| Boeing Employees' Credit Union | BECU Traditional Secured Consumer Credit Card | Yes | $25 | $25 |
| Capital Credit Union | Capital Credit Union VISA Credit Card | No | $27 | – |
| Capital One, National Association | BJ's One + Mastercard | Yes | $29 | $40 |
| Capital One, National Association | BJ's One Mastercard | Yes | $29 | $40 |
| Capital One, National Association | Bass Pro Shop's CLUB Card | Yes | $29 | $40 |
| Capital One, National Association | Cabela's CLUB Card | Yes | $29 | $40 |
| Capital One, National Association | Discover It® Miles | Yes | $0 | $41 |
| Capital One, National Association | Discover It® Miles by Capital One | Yes | $0 | $41 |
| Capital One, National Association | Discover It® Secured Credit Card | Yes | $0 | $41 |
| Capital One, National Association | Discover It® Student Cash Back | Yes | $0 | $41 |
| Capital One, National Association | Discover It® Student Chrome | Yes | $0 | $41 |
| Capital One, National Association | Discover it® Cash Back Credit Card | Yes | $0 | $41 |
| Capital One, National Association | Discover it® Cash Back Credit Card by Capital One | Yes | $0 | $41 |
| Capital One, National Association | Discover it® Chrome Gas & Restaurant Credit Card | Yes | $0 | $41 |
| Capital One, National Association | Discover it® Chrome Gas & Restaurant Credit Card by Capital One | Yes | $0 | $41 |
| Capital One, National Association | Kohl's Rewards Visa | Yes | $29 | $40 |
| Capital One, National Association | NHL® Discover It® Credit Card | Yes | $0 | $41 |
| Capital One, National Association | Platinum Mastercard | Yes | $29 | $40 |
| Capital One, National Association | Platinum Mastercard (targeted offering via pre-screen direct mail) | Yes | $29 | $40 |
| Capital One, National Association | Platinum Secured | Yes | $29 | $40 |
| Capital One, National Association | Pottery Barn Key Rewards Visa | Yes | $29 | $40 |
| Capital One, National Association | Quicksilver Rewards (non-ranged APR offering) | Yes | $29 | $40 |
| Capital One, National Association | Quicksilver Rewards (ranged APR offering) | Yes | $29 | $40 |
| Capital One, National Association | Quicksilver Rewards (targeted offering for existing customers – PMC) | Yes | $29 | $40 |
| Capital One, National Association | Quicksilver Rewards for Good Credit | Yes | $29 | $40 |
| Capital One, National Association | Quicksilver Rewards for Students | Yes | $29 | $40 |
| Capital One, National Association | Quicksilver Secured Rewards | Yes | $29 | $40 |
| Capital One, National Association | QuicksilverOne Rewards | Yes | $29 | $40 |
| Capital One, National Association | REI Co-op Mastercard | Yes | $29 | $40 |
| Capital One, National Association | Savor Rewards | Yes | $29 | $40 |
| Capital One, National Association | Savor Rewards (targeted offering for existing customers – PMC) | Yes | $29 | $40 |
| Capital One, National Association | Savor Rewards for Good Credit | Yes | $29 | $40 |
| Capital One, National Association | Savor Rewards for Students | Yes | $29 | $40 |
| Capital One, National Association | SavorOne Rewards | Yes | $29 | $40 |
| Capital One, National Association | T-Mobile Visa | Yes | $29 | $40 |
| Capital One, National Association | Teamsters Cash Rewards | Yes | $19 | $19 |
| Capital One, National Association | Teamsters Direct Mail – Mainstreet (Non-Teaser) | Yes | $19 | $19 |
| Capital One, National Association | Teamsters Direct Mail – Mainstreet (Teaser) | Yes | $19 | $19 |
| Capital One, National Association | Teamsters Direct Mail – Upmarket | Yes | $19 | $19 |
| Capital One, National Association | Teamsters Primary Access – Internet | Yes | $19 | $19 |
| Capital One, National Association | Teamsters Rate Advantage – Internet | Yes | $19 | $19 |
| Capital One, National Association | The Key Rewards Visa | Yes | $29 | $40 |
| Capital One, National Association | Union Plus Cash Rewards | Yes | $19 | $19 |
| Capital One, National Association | Union Plus Direct Mail – Mainstreet (Non-Teaser) | Yes | $19 | $19 |
| Capital One, National Association | Union Plus Direct Mail – Mainstreet (Teaser) | Yes | $19 | $19 |
| Capital One, National Association | Union Plus Direct Mail – Upmarket | Yes | $19 | $19 |
| Capital One, National Association | Union Plus Primary Access – Internet | Yes | $19 | $19 |
| Capital One, National Association | Union Plus Rate Advantage – Internet | Yes | $19 | $19 |
| Capital One, National Association | Venture Rewards | Yes | $29 | $40 |
| Capital One, National Association | Venture X Rewards | Yes | $29 | $40 |
| Capital One, National Association | Venture X Rewards (NPSL) | Yes | $29 | $40 |
| Capital One, National Association | VentureOne Rewards | Yes | $29 | $40 |
| Capital One, National Association | VentureOne Rewards for Good Credit | Yes | $29 | $40 |
| Capital One, National Association | West Elm Key Rewards Visa | Yes | $29 | $40 |
| Capital One, National Association | Williams Sonoma Key Rewards Visa | Yes | $29 | $40 |
| Carolina Cooperative Federal Credit Union | Classic | No | – | – |
| Carolina Cooperative Federal Credit Union | Secured | No | – | – |
| Carolina Cooperative Federal Credit Union | Select | No | – | – |
| Central Willamette Credit Union | Visa Platinum | No | $25 | – |
| Century Bank | Century Bank Consumer Visa | No | $25 | – |
| Champion Credit Union | Visa Platinum | No | – | – |
| Champion Credit Union | Visa Platinum Rewards | No | – | – |
| Chiropractic Federal Credit Union | VISA | No | – | – |
| Citibank, N.A. | AAdvantage MileUp Card | Yes | $41 | $41 |
| Citibank, N.A. | AT&T Points Plus Card | Yes | $41 | $41 |
| Citibank, N.A. | Bloomingdale's Credit Card | Yes | $41 | $41 |
| Citibank, N.A. | Bloomingdales American Express Card | Yes | $41 | $41 |
| Citibank, N.A. | BrandSource Credit Card | Yes | $41 | $41 |
| Citibank, N.A. | Citi AAdvantage Executive World Elite MasterCard | Yes | $41 | $41 |
| Citibank, N.A. | Citi AAdvantage Globe Mastercard | Yes | $41 | $41 |
| Citibank, N.A. | Citi AAdvantage Platinum Select | Yes | $41 | $41 |
| Citibank, N.A. | Citi Custom Cash | Yes | $41 | $41 |
| Citibank, N.A. | Citi Diamond Preferred | Yes | $41 | $41 |
| Citibank, N.A. | Citi Double Cash Card | Yes | $41 | $41 |
| Citibank, N.A. | Citi Secured MasterCard | Yes | $41 | $41 |
| Citibank, N.A. | Citi Simplicity Card | Yes | – | – |
| Citibank, N.A. | Citi Strata | Yes | $41 | $41 |
| Citibank, N.A. | Citi Strata Elite | Yes | $41 | $41 |
| Citibank, N.A. | Citi Strata Premier | Yes | $41 | $41 |
| Citibank, N.A. | Costco Anywhere Visa Card | Yes | $41 | $41 |
| Citibank, N.A. | Dillards Credit Card | Yes | $41 | $41 |
| Citibank, N.A. | Dillards MasterCard | Yes | $41 | $41 |
| Citibank, N.A. | Drive Card | Yes | $40 | $40 |
| Citibank, N.A. | Electronics & Appliances Card | Yes | $40 | $40 |
| Citibank, N.A. | Exxon Mobile Smart Card | Yes | $40 | $40 |
| Citibank, N.A. | Home Furnishings | Yes | $40 | $40 |
| Citibank, N.A. | Jewelers Reserve Card | Yes | $40 | $40 |
| Citibank, N.A. | Just Tires Credit Card | Yes | $40 | $40 |
| Citibank, N.A. | LL Bean Mastercard | Yes | $40 | $40 |
| Citibank, N.A. | Macy's American Express | Yes | $41 | $41 |
| Citibank, N.A. | Macy's Credit Card | Yes | $41 | $41 |
| Citibank, N.A. | Meijer Credit Card | Yes | $40 | $40 |
| Citibank, N.A. | Meijer Mastercard | Yes | $40 | $40 |
| Citibank, N.A. | My Best Buy Visa | Yes | $41 | $41 |
| Citibank, N.A. | My Best Buy Credit Card | Yes | $41 | $41 |
| Citibank, N.A. | Ross Simons Credit Card | Yes | $40 | $40 |
| Citibank, N.A. | Shell Fuel Rewards Card | Yes | $40 | $40 |
| Citibank, N.A. | Shell Fuel Rewards Mastercard | Yes | $40 | $40 |
| Citibank, N.A. | TSC Store Card | Yes | $41 | $41 |
| Citibank, N.A. | TSC Visa Credit Card | Yes | $41 | $41 |
| Citibank, N.A. | The Goodyear Credit Card | Yes | $40 | $40 |
| Citibank, N.A. | The Home Depot Consumer Credit Card | Yes | $41 | $41 |
| Citibank, N.A. | Volkswagon Service Card | Yes | $40 | $40 |
| Citibank, N.A. | Wayfair Credit Card | Yes | $40 | $40 |
| Citibank, N.A. | Wayfair Mastercard | Yes | $40 | $40 |
| Citizens Bank, National Association | Citizens Amp | Yes | $29 | $40 |
| Citizens Bank, National Association | Citizens Spring | Yes | $29 | $40 |
| Citizens Bank, National Association | Citizens Summit | Yes | $29 | $40 |
| Citizens Bank, National Association | Citizens Summit Reserve | Yes | $29 | $40 |
| Citizens Bank, National Association | Citizens Summit Reserve Private Bank | Yes | $29 | $40 |
| Coloramo Federal Credit Union | Visa Classic | No | $30 | – |
| Coloramo Federal Credit Union | Visa Platinum | No | $30 | – |
| Coloramo Federal Credit Union | Visa Secured | No | $30 | – |
| Comenity Bank | Ann Taylor Mastercard | Yes | $30 | $41 |
| Comenity Bank | Bread Rewards™ American Express® | Yes | $30 | $41 |
| Comenity Bank | Caesars Rewards Prestige Visa Signature | Yes | $30 | $41 |
| Comenity Bank | Caesars Rewards Visa | Yes | $30 | $41 |
| Comenity Bank | LOFT Mastercard | Yes | $30 | $41 |
| Comenity Bank | New York Yankees Mastercard® | Yes | $30 | $41 |
| Comenity Bank | PlayStation Visa | Yes | $30 | $41 |
| Comenity Bank | Sportsman's Guide Buyer's Club Rewards Visae | Yes | $30 | $41 |
| Comenity Bank | Talbots World Mastercard | Yes | $30 | $41 |
| Comenity Bank | Victoria's Secret Mastercard | Yes | $30 | $41 |
| Comenity Capital Bank | AAA Daily Advantage Visa Signature | Yes | $30 | $41 |
| Comenity Capital Bank | AAA Daily Advantage Visa Signature | Yes | $30 | $41 |
| Comenity Capital Bank | AAA Travel Advantage Visa Signature | Yes | $30 | $41 |
| Comenity Capital Bank | Bread Cashback American Express | Yes | $30 | $41 |
| Comenity Capital Bank | Crypto.com Visa Signature | Yes | $30 | $41 |
| Comenity Capital Bank | Good Sam Coast to Coast Visa | Yes | $30 | $41 |
| Comenity Capital Bank | Good Sam Rewards Visa | Yes | $30 | $41 |
| Comenity Capital Bank | Good Sam Travel Visa Signature Card | Yes | $30 | $41 |
| Comenity Capital Bank | IKEA Visa | Yes | $30 | $41 |
| Comenity Capital Bank | Interval World Mastercard | Yes | $30 | $41 |
| Comenity Capital Bank | Lands' End Visa | Yes | $30 | $41 |
| Comenity Capital Bank | Lexus Pursuits Visa | Yes | $30 | $41 |
| Comenity Capital Bank | NFL Extra Points Visa | Yes | $30 | $41 |
| Comenity Capital Bank | NFL Green Bay Packers Extra Points Mastercard | Yes | $30 | $41 |
| Comenity Capital Bank | Penn National Gaming mycash Mastercard | Yes | $30 | $41 |
| Comenity Capital Bank | Petco Pay Mastercard | Yes | $30 | $41 |
| Comenity Capital Bank | Ross Mastercard | Yes | $30 | $41 |
| Comenity Capital Bank | Saks World Elite Mastercard | Yes | $30 | $41 |
| Comenity Capital Bank | Sephora Visa | Yes | $30 | $41 |
| Comenity Capital Bank | Sportsman's Warehouse Explorewards Visa | Yes | $30 | $41 |
| Comenity Capital Bank | Toyota Rewards Visa | Yes | $30 | $41 |
| Comenity Capital Bank | Ulta Beauty Rewards Mastercard | Yes | $30 | $41 |
| Comenity Capital Bank | Unity™ by Hard Rock Mastercard | Yes | $30 | $41 |
| Comenity Capital Bank | Worldwide Vacation & Travel Mastercard | Yes | $30 | $41 |
| Community Resource Credit Union | MemberSelect Rewards MasterCard® | No | $25 | – |
| Communityamerica Federal Credit Union | Platinum Low Rate | No | $25 | $35 |
| Cpm Federal Credit Union | MyRate Visa Card | No | – | – |
| Credit One Bank, National Association | Best Friends Credit Card | Yes | $29 | $39 |
| Credit One Bank, National Association | NASCAR American Express Card | Yes | $29 | $39 |
| Credit One Bank, National Association | Omni Rewards American Express | Yes | $29 | $39 |
| Credit One Bank, National Association | Platinum Rewards Visa with No Annual Fee | Yes | $29 | $39 |
| Credit One Bank, National Association | Platinum Visa | Yes | $29 | $39 |
| Credit One Bank, National Association | Platinum Visa for Rebuilding Credit | Yes | $29 | $39 |
| Credit One Bank, National Association | Platinum X5 Visa | Yes | $29 | $39 |
| Credit One Bank, National Association | Premier American Express Card | Yes | $29 | $39 |
| Credit One Bank, National Association | Secured Card | Yes | $29 | $39 |
| Credit One Bank, National Association | Vegas Golden Knights Credit Card | Yes | $29 | $39 |
| Credit One Bank, National Association | Wander American Express Card | Yes | $29 | $39 |
| Credit Union For All, The | Classic Visa Credit Card | No | $25 | – |
| Credit Union For All, The | Platinum Visa Credit Card | No | $25 | – |
| Credit Union Of New Jersey | Platinum Mastercard | No | $25 | $25 |
| Cu Hawaii Federal Credit Union | CU Hawaii Classic/Gold/Platinum MasterCard | No | – | – |
| Cyprus Federal Credit Union | VISA Low-Rate Variable | No | $29 | – |
| Dakotaland Federal Credit Union | Cash Back VISA | No | – | – |
| Del-One Federal Credit Union | Business Visa | No | $35 | $35 |
| Del-One Federal Credit Union | Rewards Visa | No | $35 | – |
| Del-One Federal Credit Union | Share Secured Visa | No | $35 | – |
| Del-One Federal Credit Union | Student Rewards Visa | No | $35 | – |
| Delta Community Credit Union | Visa Platinum Rewards | No | $25 | – |
| Destinations Credit Union | Consumer Credit Card | No | $25 | – |
| Down East Credit Union | Visa Platinum | No | $32 | – |
| Eastrise Federal Credit Union | Visa Credit Card | No | – | – |
| Educators Credit Union | Visa Platinum | No | $25 | – |
| Educators Credit Union | Visa Signature | No | $25 | – |
| Electel Cooperative Federal Credit Union | Credit Card | No | – | $20 |
| Elevations Credit Union | Visa Rewards, Visa, Buff One Visa | No | $15 | – |
| Elevations Credit Union | Visa Signature Cash Rewards, Visa Signature Travel Rewards, Go Buffs Visa Signature | No | $15 | – |
| Empower Blue Credit Union | VISA Credit Card | No | $10 | – |
| Evolve Bank & Trust | Mastercard Consumer Credit Card | No | $40 | – |
| Farm Bureau Bank Fsb | Farm Bureau Member Rewards Mastercard – Platinum | No | $35 | $35 |
| Fifth Third Bank, National Association | Fifth Third 1% Cash/Back | Yes | $30 | $41 |
| Fifth Third Bank, National Association | Fifth Third 1.67% Cash/Back & 2% Preferred Cash/Back | Yes | $30 | $41 |
| Fifth Third Bank, National Association | Fifth Third Employee Credit Card | Yes | $30 | $41 |
| Fifth Third Bank, National Association | Fifth Third Private Bank Credit Card | Yes | $30 | $41 |
| Fifth Third Bank, National Association | Fifth Third Secured Credit Card | Yes | $30 | $41 |
| First American Bank And Trust | Visa, Mastercard | No | $15 | – |
| First American Credit Union | First American Credit Union MasterCard Rewards Card | No | $25 | $25 |
| First Electronic Bank | H-E-B Visa Signature® Credit Card | No | $27 | $35 |
| First Federal Credit Union | Visa Premium | No | $10 | – |
| First National Bank Of Omaha | ANA CARD USA Plus Visa ® | Yes | $29 | $40 |
| First National Bank Of Omaha | Amtrak Guest Rewards® Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Amtrak Guest Rewards® Preferred Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Atwoods Rewards Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Blain's Farm and Fleet Rewards MasterCard® | Yes | $29 | $40 |
| First National Bank Of Omaha | C-A-L Ranch Rewards Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Chrysler DrivePlusSM Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Coastal Rewards Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Dodge DrivePlus SM Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Ducks Unlimited Rewards Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Evergreen® Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | FIAT DrivePlus SM Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | FNBO Rewards Secured Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | GetawaySM Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | GreenSelect℠ Credit Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Gulf Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Icelandair Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Icelandair Premium Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | JAL USA Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | JAL USA Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | JAL USA Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Jeep® Rewards Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | MGM Rewards Iconic World Elite Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | MGM Rewards World Elite Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Mary Kay® Rewards Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Maximum Rewards Visa Signature® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Maximum Rewards World Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Melaleuca Rewards Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Mopar® DrivePlusSM Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Northern Tool Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Orvis Rewards Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Platinum Edition Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Platinum Edition Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Premio Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Premio Plus Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Ram DrivePlus SM Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Runnings Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | SEIUSM Platinum Edition® Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | SEIUSM Rewards Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | SEIUSM Visa® Secured Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Scheels® Secured Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Scheels® Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Secured Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Secured Visa ® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Sheetz Visa ® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Speedy Rewards Secured ® Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Speedy Rewards ® Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | The Restaurant Store Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Universal Rewards Plus Visa Signature | Yes | $29 | $40 |
| First National Bank Of Omaha | Universal Rewards Visa Signature | Yes | $29 | $40 |
| First National Bank Of Omaha | Wawa Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | Webstaurant Rewards Visa® Card | Yes | $29 | $40 |
| First National Bank Of Omaha | Yale Mastercard® | Yes | $29 | $40 |
| First National Bank Of Omaha | bp rewards Visa® Card | Yes | $29 | $40 |
| First State Bank | First State Bank Credit Card | No | $5 | – |
| Firstmark Credit Union | Firstmark Credit Union Platinum Rewards | No | $25 | – |
| Florida West Coast Credit Union | Classic Card | No | $25 | – |
| Forcht Bank, National Association | Business Power Visa Card | No | $25 | – |
| Forcht Bank, National Association | Forcht Bank Reserve Visa Card | No | $27 | – |
| Forcht Bank, National Association | Passport Visa | No | $27 | – |
| Forcht Bank, National Association | Simple Visa Card | No | $27 | – |
| Forcht Bank, National Association | iStudent Visa | No | $27 | – |
| Gecu Federal Credit Union | Empowerment Credit Card | No | $25 | – |
| Gecu Federal Credit Union | Rewards Credit Card | No | $25 | – |
| Georgia'S Own Credit Union | Visa Platinum | No | $27 | $37 |
| Goldman Sachs Bank Usa | Apple Card | Yes | – | – |
| Greater Pittsburgh Police Federal Credit Union | Classic Visa | No | – | – |
| Greenville Federal Credit Union | ACCESS | No | $20 | – |
| Greenville Federal Credit Union | VISA Platinum | No | $20 | – |
| Greenville Federal Credit Union | VISA Signature | No | $20 | – |
| Greenwood Credit Union | Premier Visa Credit Card & Premier Visa Secured Credit Card | No | $35 | – |
| Grow Financial Federal Credit Union | Visa Preferred | No | $25 | $35 |
| Gundersen Credit Union | Gundersen Credit Union | No | $20 | – |
| Hanscom Federal Credit Union | Platinum Mastercard | No | $15 | – |
| Harvard Federal Credit Union | Harvard Alumni World MasterCard | No | – | – |
| Harvard Federal Credit Union | Platinum MasterCard | No | – | – |
| Harvard Federal Credit Union | Platinum Rewards MasterCard | No | – | – |
| Harvard Federal Credit Union | Platinum Rewards Plus MasterCard | No | – | – |
| High Point Federal Credit Union | VISA Platinum | No | $20 | $20 |
| Hills Bank And Trust Company | Visa Platinum Credit Card | No | $27 | – |
| Homeland Credit Union, Inc. | Visa Classic | No | $10 | – |
| Homeland Credit Union, Inc. | Visa Platinum | No | $20 | – |
| Hoosier Heartland State Bank | Personal Credit Card | No | $25 | – |
| Horizon Credit Union | Horizon Credit Union Visa Classic | No | – | – |
| Idaho Central Credit Union | Visa Platinum | No | $29 | $29 |
| Illinois Educators Credit Union | VISA Classic | No | $28 | $28 |
| Iq Credit Union | Visa Platinum Rewards | No | $25 | – |
| Jonah Bank Of Wyoming | Platinum | No | – | – |
| Jonah Bank Of Wyoming | Platinum Rewards | No | – | – |
| Jonah Bank Of Wyoming | Secured Platinum | No | – | – |
| Jonah Bank Of Wyoming | Secured Platinum Rewards | No | – | – |
| Joplin Metro Credit Union | JOPLIN METRO CREDIT UNION CLASSIC VISA | No | – | – |
| Joplin Metro Credit Union | JOPLIN METRO CREDIT UNION PLATINUM VISA | No | – | – |
| Joplin Metro Credit Union | JOPLIN METRO CREDIT UNION PREFERRED CLASSIC VISA | No | – | – |
| Joplin Metro Credit Union | JOPLIN METRO CREDIT UNION SECURED VISA | No | – | – |
| Jovia Financial Federal Credit Union | VISA Advantage | No | $25 | – |
| Jovia Financial Federal Credit Union | Visa Signature Elite | No | $25 | – |
| Jpmorgan Chase Bank, National Association | Aer Lingus Visa Signature | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Amazon Prime Rewards Visa Card | Yes | $28 | $39 |
| Jpmorgan Chase Bank, National Association | Amazon Rewards Visa Card | Yes | $28 | $39 |
| Jpmorgan Chase Bank, National Association | British Airways Visa Signature | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Chase Aeroplan Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Disney Premier Visa Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | DoorDash Rewards Mastercard | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Freedom Flex | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Freedom Rise | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Freedom Unlimited | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | IHG Premier | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | IHG Traveler | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Iberia Visa Signature | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Instacart Mastercard | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | J.P. Morgan Reserve | Yes | – | – |
| Jpmorgan Chase Bank, National Association | Marriott Bonvoy Bold Credit Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Marriott Bonvoy Boundless Credit Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Marriott Bonvoy Bountiful Credit Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Sapphire Preferred | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Sapphire Reserve | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Slate Edge | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Southwest® Rapid Rewards® Employee Credit Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Southwest® Rapid Rewards® Plus Credit Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Southwest® Rapid Rewards® Premier Credit Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Southwest® Rapid Rewards® Priority Credit Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | United Club Infinite Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | United Explorer Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | United Gateway Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | United Quest Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | World of Hyatt Credit Card | Yes | $29 | $40 |
| Jpmorgan Chase Bank, National Association | Disney® Visa® Card | Yes | $29 | $40 |
| Kings Federal Credit Union | Visa Classic | No | $25 | – |
| Kirtland Federal Credit Union | VISA PLATINUM CASH REBATE | No | – | – |
| Kirtland Federal Credit Union | VISA PLATINUM LOW RATE | No | – | – |
| Kirtland Federal Credit Union | VISA PLATINUM REWARDS | No | – | – |
| Lake Trust Credit Union | Platinum Elite | No | $25 | $35 |
| Landings Credit Union | VISA Consumer Rewards | No | – | – |
| Langley Federal Credit Union | Select Visa | No | – | – |
| Latino Community Credit Union | LCCU Secured Visa Credit Card | No | $10 | – |
| Latino Community Credit Union | LCCU Unsecured Visa Credit Card | No | $10 | – |
| Lighthouse Federal Credit Union | Anchor & Anchor Secured Visa | No | – | – |
| Long Reach Federal Credit Union | Master Card | No | $15 | – |
| M.P.D. Community Credit Union | MPD Community Credit Union Visa Classic credit card | No | $27 | – |
| Magnolia Federal Credit Union | Magnolia FCU Visa | No | $25 | – |
| Maine Highlands Federal Credit Union | VISA Traditional Credit Card Program | No | $10 | – |
| Matanuska Valley Federal Credit Union | VISA Secured Credit Card | No | – | – |
| Matanuska Valley Federal Credit Union | Visa Classic | No | – | – |
| Maui County Federal Credit Union | Visa Platinum | No | $25 | – |
| Maui County Federal Credit Union | Visa Rewards | No | $25 | – |
| Maui County Federal Credit Union | Visa Secured | No | $25 | – |
| Maui Federal Credit Union | MauiFed VISA Platinum | No | $25 | – |
| Maui Federal Credit Union | MauiFed VISA SECURED | No | $25 | – |
| Meridian Trust Federal Credit Union | VISA REWARDS | No | $25 | – |
| Merrick Bank | Ollo Everyday Rewards Mastercard | Yes | $29 | $40 |
| Merrick Bank | Ollo Platinum Mastercard | Yes | $29 | $40 |
| Merrick Bank | Ollo Rewards+ for Educators Mastercard | Yes | $29 | $40 |
| Merrick Bank | Ollo Rewards+ for Nurses Mastercard | Yes | $29 | $40 |
| Merrick Bank | Ollo Select Rewards Mastercard | Yes | $29 | $40 |
| Merrick Bank | Secured Card | Yes | $29 | $40 |
| Merrick Bank | Unsecured | Yes | $29 | $40 |
| Merrick Bank | Unsecured DYL | Yes | $29 | $40 |
| Mid American Credit Union | 14.9% Share Secured Visa | No | – | – |
| Mid American Credit Union | 9.9% Share Secured Visa | No | – | – |
| Mid American Credit Union | Everyday Gold Visa | No | – | – |
| Mid American Credit Union | Everyday Visa | No | – | – |
| Mid American Credit Union | Select Gold Visa | No | – | – |
| Mid American Credit Union | Select Visa | No | – | – |
| Mid American Credit Union | Youth Visa | No | – | – |
| Mid Carolina Credit Union | Credit Card Program | No | – | – |
| Midfirst Bank | Consumer Platinum (Non-Rewards) Card | No | $24 | $24 |
| Mirastar Federal Credit Union | Visa Platinum Credit Card | No | – | – |
| Mission Federal Credit Union | Platinum Rewards Credit Card | No | $25 | $35 |
| N A E Federal Credit Union | NAE FCU Platinum Visa | No | $28 | $39 |
| Navy Federal Credit Union | Flagship | Yes | $20 | $20 |
| Navy Federal Credit Union | GoRewards | Yes | $20 | $20 |
| Navy Federal Credit Union | More Rewards | Yes | $20 | $20 |
| Navy Federal Credit Union | Platinum | Yes | $20 | $20 |
| Navy Federal Credit Union | cashRewards | Yes | $20 | $20 |
| Navy Federal Credit Union | cashRewards Plus | Yes | $20 | $20 |
| Navy Federal Credit Union | cashRewards Secured | Yes | $20 | $20 |
| Nih Federal Credit Union | Visa Platinum Card | No | – | – |
| North Country Federal Credit Union | VISA Consumer Credit Card | No | $20 | – |
| North Star Community Credit Union | North Star CCU Visa | No | $15 | – |
| Novation Credit Union | Platinum | No | $25 | – |
| Nuvista Federal Credit Union | Visa Platinum, Visa Classic, Visa Secured | No | $25 | $25 |
| Oklahoma Educators Credit Union | OECU Visa Classic Credit Card | No | $25 | – |
| Oklahoma Educators Credit Union | OECU Visa Platinum Credit Card | No | $25 | – |
| Oklahoma'S Credit Union | Rewards Credit Card | No | $25 | $25 |
| Omaha Police Federal Credit Union | OPFCU VISA | No | $20 | – |
| On Tap Credit Union | Visa Summit | No | $15 | – |
| One Nevada Credit Union | Signature Visa | No | $27 | – |
| Ontario Shores Federal Credit Union | Ontario Shores Federal Credit Union Classic Credit Card | No | $10 | $10 |
| Oregon State Credit Union | Visa® Value Credit Card | No | $25 | $25 |
| Orlando Credit Union | SMART Credit Card | No | – | – |
| Orlando Credit Union | Secured SMART Credit Card | No | – | – |
| Orlando Credit Union | Xtreme Rewards Credit Card | No | – | – |
| Park City Credit Union | Visa Classic | No | – | – |
| Park City Credit Union | Visa Rewards | No | – | – |
| Pathways Financial Credit Union, Inc. | Platinum MasterCard | No | $27 | – |
| Pennsylvania Central Federal Credit Union | Traditional | No | $25 | $25 |
| Pennsylvania State Employees Cu | Classic Visa | No | – | – |
| Pentagon Federal Credit Union | PenFed Gold Visa® Card | Yes | – | – |
| Pentagon Federal Credit Union | PenFed Pathfinder® Rewards Visa Signature® Card | Yes | – | – |
| Pentagon Federal Credit Union | PenFed Platinum Rewards Visa Signature® Card | Yes | – | – |
| Pentagon Federal Credit Union | PenFed Platinum Rewards Visa® Card | Yes | – | – |
| Pentagon Federal Credit Union | PenFed Power Cash Rewards Visa Signature® Card | Yes | – | – |
| Pentagon Federal Credit Union | PenFed Power Cash Rewards Visa® Card | Yes | – | – |
| Pnc Bank, National Association | PNC Cash Rewards | Yes | $27 | $38 |
| Pnc Bank, National Association | PNC Cash Unlimited | Yes | $27 | $38 |
| Pnc Bank, National Association | PNC Secured Credit Card | Yes | $25 | $35 |
| Pnc Bank, National Association | PNC Spendwise Credit Card | Yes | $27 | $38 |
| Police Federal Credit Union | HONOR Card | No | – | – |
| Police Federal Credit Union | Rate Preferred | No | – | – |
| Police Federal Credit Union | Rewards Card | No | – | – |
| Police Federal Credit Union | Share Secured | No | – | – |
| Police Federal Credit Union | Share Secured Credit Builder | No | – | – |
| Premier America Credit Union | Signature Mastercard | No | – | – |
| Priority First Federal Credit Union | Visa Platinum Card | No | – | – |
| Proponent Federal Credit Union | Proponent Visa | No | – | – |
| Publix Employees Federal Credit Union | Visa Platinum | No | $20 | – |
| Publix Employees Federal Credit Union | Visa Secured | No | $20 | – |
| Ravalli County Federal Credit Union | Ravalli County Federal Credit Union Visa Classic | No | – | – |
| Ravenswood Federal Credit Union | VISA | No | $28 | – |
| Red Canoe Credit Union | Platinum Rewards Visa Credit Card | No | $25 | – |
| Red Canoe Credit Union | Platinum Rewards Visa Credit Card | No | $25 | – |
| Red Canoe Credit Union | Platinum Visa Credit Card | No | $25 | – |
| Regions Bank | Prestige Visa Signature | Yes | $28 | $39 |
| Rhode Island Credit Union | Visa | No | $35 | – |
| River Valley Credit Union | RVCU Credit Card | No | $25 | – |
| Rivermark Community Credit Union | Platinum, Cash Back, Secured Card | No | $25 | $25 |
| Sabine State Bank And Trust Company | MasterCard | No | – | – |
| Sacramento Credit Union | Sacramento Credit Union Platinum, Platinum Rewards and Secured Visa | No | – | – |
| Sandia Area Federal Credit Union | Consumer Credit Card | No | $25 | – |
| Schoolsfirst Federal Credit Union | Inspire Mastercard | No | – | – |
| Schoolsfirst Federal Credit Union | Rewards Mastercard | No | – | – |
| Schoolsfirst Federal Credit Union | School Employee Mastercard | No | – | – |
| Schoolsfirst Federal Credit Union | Share-Secured Mastercard | No | – | – |
| Scott Credit Union | Extreme Visa | No | $20 | $20 |
| Security Service Federal Credit Union | Power Credit Card | No | $25 | – |
| Service Federal Credit Union | Visa Signature Everyday Elite | No | $20 | $20 |
| Siouxland Federal Credit Union | Siouxland Federal Credit Union Rewards Visa Credit Card | No | $5 | – |
| Smw Financial Credit Union | Visa Platinum | No | $30 | $41 |
| Solvay Bank | Visa Platinum Standard | No | – | $37 |
| Southern Credit Union, The | Visa Classic | No | $29 | – |
| Southern Security Federal Credit Union | Southern Security Rewards VISA | No | $25 | – |
| Southland Credit Union | Visa Platinum Enjoy Rewards, Smart Card Classic, Smart Card Credit Builder, Smart Card Secured | No | $10 | – |
| Southpoint Financial Credit Union | VISA PLATINUM REWARDS/VISA PLATINUM SELECT/VISA PLATINUM SECURED | No | $25 | – |
| Southwest 66 Credit Union | Consumer Credit Cards | No | – | – |
| Southwest 66 Credit Union | Rewards Credit Cards | No | – | – |
| Southwest 66 Credit Union | Share Secured Credit Cards | No | – | – |
| State Bank And Trust Company, The | Visa Platinum Credit Card | No | $35 | – |
| Statewide Federal Credit Union | Platinum Visa Card | No | – | – |
| Stride Bank, National Association | Chime Cash Rewards Visa Credit Card | Yes | – | – |
| Stride Bank, National Association | Secured Chime Visa Credit Card | Yes | – | – |
| Stride Bank, National Association | Westlake Black Visa Credit Card | Yes | – | – |
| Summit Credit Union | Secured Visa / Credit Builder Visa | No | $30 | – |
| Summit Credit Union | Visa Platinum | No | $30 | – |
| Summit Credit Union | Visa Rewards | No | $30 | – |
| Sun East Federal Credit Union | Platinum Non-Rewards Mastercard | No | $25 | $36 |
| Sun East Federal Credit Union | Platinum Rewards Mastercard | No | $25 | $36 |
| Sunmark Credit Union | Business Credit | No | $30 | $30 |
| Sunmark Credit Union | Low Rate Platinum | No | $27 | $37 |
| Sunmark Credit Union | Platinum Rewards | No | $27 | $37 |
| Sunmark Credit Union | Signature Card | No | $27 | $37 |
| Sunwest Federal Credit Union | Rewards MC | No | $25 | $25 |
| Sunwest Federal Credit Union | Secured MasterCard | No | $5 | $5 |
| Sunwest Federal Credit Union | SunWest MasterCard | No | $5 | $5 |
| Synchrony Financial | AEO, Inc. Visa Card | Yes | $30 | $41 |
| Synchrony Financial | At Home Insider Perks Mastercard | Yes | $30 | $41 |
| Synchrony Financial | Belk Rewards Mastercard | Yes | $29 | $40 |
| Synchrony Financial | CareCredit Mastercard | Yes | $30 | $41 |
| Synchrony Financial | Cathay Pacific Visa Card | Yes | $30 | $41 |
| Synchrony Financial | Fleet Rewards Visa Card | Yes | $30 | $41 |
| Synchrony Financial | J Crew Mastercard | Yes | $30 | $41 |
| Synchrony Financial | JCPenney Mastercard | Yes | $30 | $41 |
| Synchrony Financial | MyWalgreens Mastercard | Yes | $29 | $40 |
| Synchrony Financial | OnePay Cash Rewards World Mastercard | Yes | $30 | $41 |
| Synchrony Financial | PayPal Cashback Mastercard | Yes | $29 | $40 |
| Synchrony Financial | PayPal Credit Mastercard | Yes | $30 | $41 |
| Synchrony Financial | Sam's World Elite Mastercard | Yes | $29 | $40 |
| Synchrony Financial | ScoreRewards Mastercard | Yes | $30 | $41 |
| Synchrony Financial | Sun Country Visa Card | Yes | $30 | $41 |
| Synchrony Financial | Synchrony Plus World Mastercard | Yes | $30 | $41 |
| Synchrony Financial | Synchrony Preferred Mastercard | Yes | $30 | $41 |
| Synchrony Financial | Synchrony Premier World Mastercard | Yes | $30 | $41 |
| Synchrony Financial | TJX Rewards Platinum Mastercard | Yes | $27 | $38 |
| Synchrony Financial | Techron Advantage Visa Card | Yes | $29 | $40 |
| Synchrony Financial | Venmo Visa Card | Yes | $30 | $41 |
| Synchrony Financial | Venmo Visa Signature Card | Yes | $30 | $41 |
| Synchrony Financial | Verizon Visa Signature Card | Yes | $30 | $41 |
| Synchrony Financial | Virgin Red Rewards World Elite Mastercard | Yes | $30 | $41 |
| Tcm Bank, National Association | Rewards Platinum | No | $29 | $40 |
| Td Bank Usa, National Association | Target Circle Mastercard | Yes | $30 | $41 |
| Td Bank, National Association | FlexPay | Yes | $29 | $40 |
| Td Bank, National Association | TD Cash | Yes | $29 | $40 |
| Td Bank, National Association | TD Cash Secured | Yes | $29 | $40 |
| Td Bank, National Association | TD Clear 1000 | Yes | – | – |
| Td Bank, National Association | TD Clear 2000 | Yes | – | – |
| Td Bank, National Association | TD Double Up | Yes | $29 | $40 |
| Td Bank, National Association | TD First Class | Yes | $29 | $40 |
| Texans Credit Union | Premier Rewards Card | No | $25 | $25 |
| Three Rivers Federal Credit Union | 3Rivers Mastercard Credit Card | No | – | – |
| Tidemark Federal Credit Union | Tidemark FCU Visa Platinum | No | – | – |
| Tinker Federal Credit Union | Visa Platinum | No | $22 | – |
| Tlcu Financial | Visa Classic | No | $15 | – |
| Tlcu Financial | Visa Platinum | No | $15 | – |
| Tongass Federal Credit Union | Consumer Credit Card | No | $15 | – |
| Tongass Federal Credit Union | Consumer Credit Card | No | $15 | – |
| Tru Federal Credit Union | TRU FCU Credit Card | No | – | – |
| Trugrocer Federal Credit Union | Visa Classic | No | $25 | – |
| Truist Bank | Truist Enjoy Beyond Credit Card | Yes | $27 | $40 |
| Truist Bank | Truist Enjoy Cash Credit Card | Yes | $27 | $40 |
| Truist Bank | Truist Enjoy Cash Secured Credit Card | Yes | $27 | $40 |
| Truist Bank | Truist Enjoy Travel Credit Card | Yes | $27 | $40 |
| Truist Bank | Truist Future Card | Yes | $27 | $40 |
| Truist Bank | Truist Wealth Credit Card | Yes | $27 | $40 |
| Tucson Federal Credit Union | Visa Platinum Preferred Credit Card | No | $30 | – |
| U.S. Bancorp | Altitude Go Sig | Yes | $30 | $41 |
| U.S. Bancorp | Cash+ Signature | Yes | $30 | $41 |
| U.S. Bancorp | Fidelity® Rewards Visa Signature® | Yes | $30 | $41 |
| U.S. Bancorp | Kroger Rewards World Elite Mastercard | Yes | $30 | $41 |
| U.S. Bancorp | USB Shield | Yes | $30 | $41 |
| Unison Credit Union | Visa Platinum | No | $10 | – |
| Unison Credit Union | Visa Platinum Rewards | No | $10 | – |
| United Bank | United Bank Endeavor Card | No | $25 | – |
| United Bank | United Bank Right Start Endeavor Card | No | $25 | – |
| United Bank | Visa Platinum | No | – | – |
| United Consumers Credit Union | Visa Credit Card | No | – | – |
| United Consumers Credit Union | Visa Rewards Credit Card | No | – | – |
| United Savings Credit Union | VARIABLE RATE | No | $25 | – |
| University Of Kentucky Federal Credit Union | Credit Card Agreement | No | $29 | – |
| Usaa Federal Savings Bank | USAA Cashback Rewards | Yes | $25 | $35 |
| Usaa Federal Savings Bank | USAA Eagle Navigator | Yes | $25 | $35 |
| Usaa Federal Savings Bank | USAA Preferred Cash Rewards | Yes | $25 | $35 |
| Usaa Federal Savings Bank | USAA Rate Advantage Card | Yes | $25 | $35 |
| Usaa Federal Savings Bank | USAA Rewards American Express Card | Yes | $25 | $35 |
| Usaa Federal Savings Bank | USAA Rewards Visa Signature Card | Yes | $25 | $35 |
| Usaa Federal Savings Bank | USAA Secured American Express Card | Yes | $25 | $35 |
| Usaa Federal Savings Bank | USAA Secured Visa Platinum Card | Yes | $25 | $35 |
| Usf Federal Credit Union | Visa Platinum Rewards | No | $27 | $30 |
| Usf Federal Credit Union | Visa Signature Rewards | No | $27 | $30 |
| Usf Federal Credit Union | Visa Traditional | No | $27 | $30 |
| Valley Strong Credit Union | Platinum Credit Card | No | – | – |
| Vantage Credit Union | Mastercard Platinum | No | – | – |
| Wave Federal Credit Union | Visa Platinum | No | $20 | $20 |
| Webbank | Avant Credit Card | No | $28 | $39 |
| Wells Fargo Bank, National Association | Choice Privileges Mastercard | Yes | – | – |
| Wells Fargo Bank, National Association | Choice Privileges Select Mastercard | Yes | – | – |
| Wells Fargo Bank, National Association | One Key Card Mastercard World Elite | Yes | – | – |
| Wells Fargo Bank, National Association | One Key+ Mastercard | Yes | – | – |
| Wells Fargo Bank, National Association | The Private Bank by Invitation Visa Signature Card | Yes | – | – |
| Wells Fargo Bank, National Association | Wells Fargo Active Cash Card | Yes | – | – |
| Wells Fargo Bank, National Association | Wells Fargo Advisors by Invitation Visa Signature Card | Yes | – | – |
| Wells Fargo Bank, National Association | Wells Fargo Attune World Elite Mastercard | Yes | – | – |
| Wells Fargo Bank, National Association | Wells Fargo Autograph Card | Yes | – | – |
| Wells Fargo Bank, National Association | Wells Fargo Autograph Journey Card | Yes | – | – |
| Wells Fargo Bank, National Association | Wells Fargo Reflect Card | Yes | – | – |
| Westmark Credit Union | Visa Cash Rewards | No | – | – |
| Westmark Credit Union | Visa Platinum | No | – | – |
| Westmark Credit Union | Visa Rewards | No | – | – |
| Weststar Credit Union | MasterCard Platinum Rewards | No | $25 | $30 |
| Whatcom Educational Credit Union | Launch Visa | No | – | – |
| Wyhy Federal Credit Union | Platinum Cash+ Rewards | No | $25 | – |
| Wyhy Federal Credit Union | WyHy Visa Platinum | No | $25 | – |
| Wyhy Federal Credit Union | WyHy Visa Secured | No | $25 | – |
What these numbers are
The CFPB surveys card issuers twice a year: the 25 largest issuers plus a group of smaller banks and credit unions. 195 institutions reported plans for July–December 2025. Each row is a card plan as the issuer described it, not weighted by the number of accounts, so a plan with a few hundred cardholders counts the same as one with millions. Large issuers report many plans, which is why they make up most rows. The "repeat late fee" is the survey’s question on "late fees charged within six billing cycles of a previous late fee." Some plans charge a percentage or a fee tied to the balance or minimum payment and list no fixed amount; they are left out of the medians. Federal rules also bar a late fee larger than the minimum payment that was missed. Medians are our calculation from the survey file.
Source
Consumer Financial Protection Bureau, Terms of Credit Card Plans survey, data files for January–June 2024 through July–December 2025 (the latest posted as of October 17, 2026), columns "Late Fees?", "Late Fee ($)" and "Late Fee Six Month Billing Cycle". U.S. government data in the public domain. Rule: CFPB, Credit card penalty fees. Our tables are available under CC BY 4.0. Credit "My Credit Guide (mycreditguide.org)".
Steven Reynolds, "Credit Card Late Fees by Issuer and Plan," My Credit Guide, October 17, 2026, https://mycreditguide.org/data/credit-card-late-fees/.