How Are Credit Card Annual Fees Distributed Across 3,944 Cards in June 2026?
Madeen catalog analysis of annual fee tiers across 3,944 U.S. credit cards — zero-fee, sub-$100, premium, and ultra-premium buckets.
Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
Madeen’s catalog snapshot (2026-06-10) tracks 3,944 U.S. credit cards with structured fee fields. Annual fees cluster heavily at $0 and sub-$100 tiers; ultra-premium cards are a long tail.
How are annual fees distributed in the Madeen catalog?
Among cards with a known Annual fee field, 3,085 carry a $0 Annual fee, 554 charge under $100, 60 fall in the $100–$299 band, and 245 are $300+. That shape matters for break-even math: most cards readers compare day-to-day are no-fee or mid-tier, while Travel cards with credits sit in the premium bands.
| Fee tier | Card count |
|---|---|
| $0 | 3,085 |
| $1–$99 | 554 |
| $100–$299 | 60 |
| $300+ | 245 |
See annual fee worth it for how to compare fee cards against your spend, and Madeen methodology for catalog sourcing.
Related encyclopedia topics
Sources and notes
- Madeen analysis Madeen card catalog - Madeen Accessed 2026-06-10.