Compare credit cards by fossil fuel investment


1		Comparison table for ClimateAction Center's Keep It In The Ground - Don't let your money be used to finance more fossil fuel extraction. For how we rate cards and how to evaluate your current credit card, see Fossil Fuel Free Credit Cards Not all features listed. e.g., some have an intro cashback bonus. Sharable URL for this chart is https://www.climateaction.center/fossil-fuel-free-credit-card-compare												++ green = doesn't finance gas & oil	-- red indicates a problem with their green claims
2	Offering institution	Issuer/ Underwriter	Credit card	Intro APR	Long term APR on purchases	Annual fee	Late payment fee	Foreign fees	Rewards	Cash back on rewards	Full rate, fee & other cost disclosure URL	Apple, Samsung, or Google Pay	online integration	Bank.green rating	Other fossil fuel indicators	Research Date	additional features and notes

3	The Best	CONFIRMED zero financing of fossil fuel exploration and infrastructure (by bank.green or other research)
4	Self-Help Federal Credit Union (SHFCU)	Self-Help Federal Credit Union	Self-Help Federal Mastercard	none	9.75% 10.75% 12.25% or 14.25%	none	up to $5	1% USD	None	N/A	https://www.self-helpfcu.org/personal/loans/credit-cards	Yes	Not Quicken Direct Connect. Inquire about others	++ Green (high) & fossil free certified by BG		1/11/2023	The SHFCU has branches in California, Chicago and Milwaukee. The sister Self Help Credit Union has branches in North Carolina, South Carolina, Virginia and Florida and a siimlar credit card. Either partner credit union may be joined from anywhere inthe United States.
5	Patelco Credit Union open to select CA residents, students & alum only	Patelco Credit Union	Pure Mastercard	0% for 6 months	9.50% to 16.70%	none	up to $15 after 15 days	1% USD	None	N/A	https://www.patelco.org/credit-cards-and-loans/credit-cards/low-rate	Yes	Yes	not listed	++ Patelco provided an affirmation by the VP, Treasurer to Third Act SF that they do not finance fossil fuel exploration or operations	1/11/2023	One time passcodes for some online transactions
6		Patelco Credit Union	Points Rewards World Mastercard	none	11.15% to 19.65%	none	up to $15 after 15 days	1% USD	2 points(2%) per $1 gas & grocery.1 point(1%) per $1 all other purchases. No expiration.	Yes, on request	https://www.patelco.org/credit-cards-and-loans/credit-cards/rewards	Yes	Yes	not listed		1/11/2023	ShopRunner online shipping - free 2 day shipping& free returns from select online. 10% discount on OneFineStay high ened rental home program. Mastercard ID Theft protection, celll phone theft & damage protection, Mastercard Travel services
7	Beneficial State Bank	Beneficial State Bank	Climate Card (Visa)	none	15.90% to 25.70%	none	up to $10	1% USD	1 point/$1 for ScoreCard Rewards. No expiration.	No	https://beneficialsb.key.credit/personal/visa-signature/	Yes	Not Quicken Direct Connect. Inquire about others	++ Green (high) & fossil free certified		1/5/2023	Lock & unlock your cards using SecurLOCK, No over the credit limit fees, Travel notifications, Extra card for authorized users. Older Beneficial credit cards may be underwriten by TCM and so not fossil free
8	Beneficial State Bank	Beneficial State Bank	Beneficial also has two other cards without the rewards program but that are otherwise similar in rates and fees.										Not Quicken Direct Connect. Inquire about others
9	Alliant Credit Union	CO-OP Financial Services	Alliant Cashback Visa Signature Credit Card	none	16.49% to 26.49%	none	up to $27	none	1.5% cash back. 2.5% of first $10,000/month for active checking acct customers	Yes, card credit or deposit to an Alliant check or savings acct	https://www.alliantcreditunion.com/Clos/Clos/Applications	Yes	Yes, see note	+ Green (high), but not fossil free certified yet.		2/22/2023	Alliant credit union membership is targeted at Chicago area communities and employees of participating companies, but Alliant offers an alternate membership pathway through membership in Foster Care to Success, which is open to anyone in the US. Credit card offers a variety of travel, auto collision, and warranty benefits. Alliant’s supported third-party personal financial management aggregators include eMoney, Mint (now known as Intuit Mint) Quicken WebConnect (but not Quicken DirectConnect), YNAB and Mvelopes.
10	Alliant Credit Union	CO-OP Financial Services	Alliant Visa Platinum Credit Card	0 to 5.99% for 12 months	14.49% to 26.49%	none	up to $27	2% USD	none	N/A	https://www.alliantcreditunion.com/Clos/Clos/Applications	Yes	Yes, see note	+ Green (high), but not fossil free certified yet.		2/22/2023
11		Many of the Issuers listed here have more than the one or two card offerings listed here. Our research is focused on cards for people with average to good credit ratings with a focus on general cashback and points cards. We exclude mileage focused and specialty cards that only provide cashback on limited specified purchase categories. If you frequently carry a balance and so interest rate is more important to you than cashback, check out the other offerings from these issuers and from credit unions near you. There are many lower interest rate options available. Note also that interest rates vary with time. These rates were valid as of the listed research date and may have changed since. Not all features are listed. For example some have an introductory cashback bonus with qualifications if you spend certain amounts in a certain time.
12	2nd Tier	NOT certified fossil fuel finance free but do not appear do fossil fuel lending (or certified but with other fossil fuel related red flags).
13	Offering institution	Issuer/ Underwriter	Credit card	Intro APR	Long term APR for purchases	Annual fee	Late payment fee	Foreign fees	Rewards	Cash back on rewards	Full rate, fee & other cost disclosure URL	Apple, Samsung, or Google Pay	online integration	Bank.green rating	Other fossil fuel indicators	Research Date	additional features and notes
14	Amalgamated Bank	First National Bank of Omaha (FNBO)	Maximum Rewards World Mastercard	0% for 12 months	22.24% to 28.24%	none	up to $40	unknown	1.5 point/$1 (1.5%). Expire in 5 years	Yes by redemption request	https://www.firstbankcard.com/lynx/api/v1/lynx/soct/CDLV81HBTQFV5	Yes	unknown	++ Green (high) & fossil free certified, but...	-- FNBO provides fossil fuel customer credit card services for BP & possibly others	1/5/2023	Technically not a fossil fuel infrastructure lender, but they are providing credit card services to fossil fuel companies
15	Aspiration (not taking credit card applications as of March 2023)	Beneficial State Bank	Zero Card (Visa)	none	15.40% to 25.20%	$60	up to $10	2% USD	1% all purchases	Yes	https://www.aspiration.com/credit/account-opening-disclosure		unknown	+ Green (high), but not fossil free certified yet.	-- Green claims appear to be vastly overblown (Propublica)	3/1/2023	Plants a tree with every purchase, biodegradable card
16	Green America	TCM Bank, N.A.	Rewards Platinum Visa	0% for 12 months	13.74% to 23.74%	none	up to $40	1% USD	1 point/1$ for cRewards. No expiration	No	https://commonsenselenders.com/WebApp/WebPages/MainPages/MainPage.aspx?id=Hdxw/dblpcU=		unknown	not listed	-- Refused Green America request to sign a fossil free statement	1/5/2023	No over-the-credit-limit fees. Note that TCM also issues similar cards for some other enviro organizations, like ILFI & Salmon Nation) Watch for a fossil free Green America credit card card underwritten by Beneficial in late 2023
17	Discover	Discover Financial Services	Cash Back Credit Card	0% for 15 months	16.24% to 27.24%	none	None the 1st time, then up to $41.	not listed	5% on different purchase types each month, 1% on all others	Yes, multiple options	https://www.discover.com/credit-cards/	not listed online	Yes for Quicken, see note	Not listed.	No indication that DFS does any corporate lending of any type.	2/26/2023	Discover supports Quicken Express Web Connect . Inquire about others.
18	Diners Club	Discover Financial Services	new applications are temporarily unavailable in early 2023											Not listed.	--No indication that DFS does any corporate lending of any type. Diners Club services corporate cards & may provide credit card services for fossil fuel companies, but has not been researched	2/26/2023
19	CoreFirst Bank & Trust	CoreFirst Bank & Trust	Visa Platinum	1.9% for 6 months	10.75%*	none	up to $35	2%	1 point/1$ for ScoreCard Rewards. No expiration	No	https://www.cbtks.com/personal/borrow/credit-cards/platinum-card	unknown	unknown	Not listed.		1/5/2023
20	Third Tier	These banks do fossil fuel lending, but fund relatively low amounts compared to the Worst.
21	Offering institution	Issuer/ Underwriter	Credit card	Intro APR	Long term APR on purchases	Annual fee	Late payment fee	Foreign fees	Rewards	Cash back on rewards	Full rate, fee & other cost disclosure URL	Apple, Samsung, or Google Pay	online integration	Bank.green rating	Other fossil fuel indicators	Research Date	additional features and notes
22	Capital One	Capital One	Quicksilver Rewards (Mastercard)	0% for 15 months	19.24%, 25.24% or 29.24%,	none	up to $40		5% on hotels & rental cards booked with Capital One travel, 1.5% on all other . No expiration	Yes with automatic redemption options	https://www.capitalone.com/credit-cards/		Quicken & others	Orange (insufficient info) See writeup	-- Capital One does fossil fuel finance but relatively small globally. Not listed on Climate Chaos report list of global fossil funders but would place at about #50	1/5/2023	Custom push notifications, travel concierge, extended warranty,
23	REI Coop	Capital One	REI Coop Mastercard	none	18.24%, 25.24%, or 29.24%	none	up to $40	none	5% REI coop purchase, 1.5% on all others. No expiration	Redeemable only for purchases at REI	https://www.rei.com/membership/mastercard		presumed similar to CapOne Quicksilver but not confirmed	Orange (insufficient info) See writeup		1/5/2023	unknown
24	U.S. Bank	U.S Bank												Light red significant FF$	-- Owned by US Bancorp, too small for the global list in 2022, but 13th largest bank in North America. Funded Enbridge pipeline. Dropped that under pressure but recently increased FF investments	3/1/2023
25	Many credit unions and small banks	Elan Financial Services												Light red significant FF$	-- Owned by U.S. Bank/ US Bancorp - see above	3/1/2023
26	The Worst	Major financiers of oil and gas exploration and infrastructure - avoid any card issued by these banks. These credit card issuing banks were among the top 15 fossil fuel financers in the world in 2022
27		CHECK THE BACK OF ALL OF YOUR CREDIT CARDS FOR THE FOLLOWING DIRTY ISSUING / UNDERWRITING BANKS
28	JP Morgan Chase	JP Morgan Chase		Look at your card carefully. Even if it is not provided directly by one of these banks, look at the names on the back of the card to make sure your bank's credit card is not issued by one of these major fossil fuel lending instituitions. For example, the Amazon/ Whole Foods credit cards are issued by Chase										Red big FF $	-- #1 FF financer in the world (2016-21)	1/25/2023
29	Citi	Citi												Red big FF $	-- #3 in the world	1/25/2023
30	Wells Fargo	Wells Fargo												Red big FF $	-- #2 in the world	1/25/2023
31	Bank of America	Bank of America												Red big FF $	-- #4 in the world	1/25/2023
32	RBC	RBC												Red big FF $	-- #5 in the world, #1 in Canada	1/25/2023
33	Barclays	Barclays												Red big FF $	-- #7 in the world, #1 in Europe	1/25/2023
34	ScotiaBank	ScotiaBank												Red big FF $	-- #9 in the world	1/25/2023
35	BNP Paribas	BNP Paribas												Red big FF $	-- #10 in the world - biggest banker of offshore oil & gas	1/25/2023
36	TD Bank	TD Bank												Red big FF $	-- #11 in the world, #2 in Canada	1/25/2023
37	Morgan Stanley	American Express												Red big FF $	-- #12 in the world (MS)	1/25/2023
38	HSBC	HSBC												Red big FF $	--#13 in the world,#2 in Britain, but has announced a "phasedown" in fossil fuel investment, ending loans for new oil and gas fields, altho not for new fossil transmission	3/21/2023
39	Goldman Sachs	American Express												Red big FF $	-- #14 in the world (GS)	1/25/2023
40	Bank of Montreal	Bank of Montreal												Red big FF $	-- #15 in the world, #3 in Canada	1/25/2023
41	Bank of the West	BMO Harris (Bank of Montreal)												Red big FF $	-- #15 in the world, #3 in Canada	1/25/2023
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43	29	institutions