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. Select the Alphabetic listing tab for easiest search of your institution and its rating. APRs are for relative comparison only. Rates have increased since we were last able to scrape all of them. Check the card's cost disclosure for most up to date rates. 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 purchase APR	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	1 - The Best	1 - The Best	CONFIRMED zero financing of fossil fuel exploration and infrastructure (by bank.green or other research)
4	Self-Help Federal Credit Union (SHFCU)	1 - The Best	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	1 - The Best	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		1 - The Best	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	1 - The Best	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	1 - The Best	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	1 - The Best	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	1 - The Best		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. Check the card's cost disclosure for most up to date rates. 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	2 - Neutral	2 - Neutral	NOT certified fossil fuel finance free but do not appear to provide fossil fuel lending and have no known activities that actively support fossil fuel development
13	Offering institution	2 - Neutral	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	Many retailers	2 - Neutral	Bread Financial / Comenity	Bread Financial issues over 170 cards for a wide range of retailers From Ann Taylor to Zales Outlet. But no oil companies.											Not listed.	Bread apears totally focused on consumer services. Good environmental committment	10/10/2023
15	Many community banks	2 - Neutral	TIB The Independent Bankersbank	TIB issues credit cards for Brady Bank, Central National Bank Texas, Central Valley Community Bank, Chambers Bank, First Harrison Bank, First National Bank of Bastrop, First National Bank Texas, Jefferson Bank, Kleberg Bank, National Bank of Middlebury, NBT Financial, Marine Bank, Rio Bank, Sonora Bank, Texana Bank, Traditional Bank, Vista Bank, West Texas National Bank and other community banks.											Not listed.	Appears very focused on small lending for community banks. We are still investigating	2/5/2024
16	American Express	2 - Neutral	American Express	AmEx issues its own cards and cards for several major companies (Amazon, Delta, Hilton, Marriot) but no oil companies. Many of AmEx cards have rewards for unsustainable travel (gas stations and air travel)											light green (OK) but could do better	Relatively aggressive corporate ESG goals. AmEx provides payment services and is not a bank and does not do direct FF investments. However, it enters into transactions and keeps money on deposit with other banks that fund fossil fuel.	1/10/2024
17	CoreFirst Bank & Trust	2 - Neutral	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.	CoreFirst apears totally focused on consumer services	1/5/2023	Topeka & Kansas City KS & Denver CO
18	Discover	2 - Neutral	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.
19	Diners Club	2 - Neutral	Discover Financial Services	new applications are temporarily unavailable in late 2023											Not listed.		10/9/2023
20	3 - Enviro problems	3 - Enviro problems	Also not certified fossil fuel finance free but do not appear do fossil fuel lending. (except Aspiration/Benefical - certified FF Free for lending) BUT each one supports fossil fuel companies in other ways or has other significant environmental red flags
21	Offering institution	3 - Enviro problems	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
22	Amalgamated Bank	3 - Enviro problems	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	listed but not enough info to rate	-- FNBO provides fossil fuel customer credit card services for BP & possibly others	10/10/2023	Bank.green data was ujpdated 10/10/23, rate data is still early 2023
23	Aspiration	3 - Enviro problems	Beneficial State Bank	Zero Card (Visa - no longer accepting credit card applications - now only offers debit card	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.	-- Aspiration's Green claims appear to be vastly overblown (Propublica)	1/14/2024	Plants a tree with every purchase, biodegradable card
24	Green America	3 - Enviro problems	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	-- TCM 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 or 2024
25	Many oil company and other retailer cards	3 - Enviro problems	Synchrony Bank	Synchrony is one of the largest private label credit card issuers and Issues many oil company credit & rewards cards including Chevron/Texaco/Techron, Citgo, Conoco, and Phillips 66. (BP has moved to FNBO)											Not listed.	-- we don't know whether Synchrony has direct fossil fuel investments, but they are a major issuer of oil company credit cards	10/9/2023
26	4 - Smaller fossil lenders	4 - Smaller fossil lenders	These banks do fossil fuel lending. Relatively low amounts compared to the Worst, but all still significant red flags. See "Other fossil fuel indicators"
27	Offering institution	4 - Smaller fossil lenders	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
28	Capital One	4 - Smaller fossil lenders	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. No policies to avoid or wind down fossil fuel investment	1/5/2023	Recently rerated better - Green - by bank.green, but that seems to be a glitch. We are keeping it poorly rated
29	REI Coop	4 - Smaller fossil lenders	Capital One	REI Coop Mastercard	none	18.24%, 25.24%, or 29.24%	none	up to $40	none	5% REI coop purchase, 1.5% on all others. No expiration	Redeemable only for purchases at REI	https://www.rei.com/membership/mastercard		presumed similar to CapOne Quicksilver but not confirmed	Orange (insufficient info) See writeup		1/5/2023
30	UMB	4 - Smaller fossil lenders	UMB	UMB Visa											Not listed.	-- Unknown amount of fossil fuel financing but promote their "deep technical knowledge and experience, and extensive connections for U.S. oil and gas production projects"	10/9/2023
31	U.S. Bank	4 - Smaller fossil lenders	U.S Bank												Light red significant FF$	-- Owned by US Bancorp (#34 FF lender 2016-22). Funded Enbridge pipeline. Dropped that under pressure but funding other projects and still no FF exclusion policy	1/10/2024
32	Many credit unions and small banks	4 - Smaller fossil lenders	Elan Financial Services	Elan Financial is a huge credit card issuer, claiming over 1,200 financial institutions in its credit card program											Light red significant FF$	-- Owned by U.S. Bank/ US Bancorp - see above	10/10/2023
33	5 - The Worst	5 - 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
34		5 - The Worst	CHECK THE BACK OF ALL OF YOUR CREDIT CARDS FOR THE FOLLOWING DIRTY ISSUING / UNDERWRITING BANKS
35	JP Morgan Chase	5 - The Worst	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 (2016-22)	1/10/2024
36	Citi	5 - The Worst	Citibank												Red big FF $	-- #2 in the world	1/10/2024
37	Wells Fargo	5 - The Worst	Wells Fargo												Red big FF $	-- #3 in the world	1/10/2024
38	Bank of America	5 - The Worst	Bank of America												Red big FF $	-- #4 in the world	1/10/2024
39	RBC	5 - The Worst	RBC												Red big FF $	-- #5 in the world, #1 in Canada (2016-22)	1/10/2024
40	Barclays	5 - The Worst	Barclays												Red big FF $	-- #7 in the world, #1 in Europe (2016-22)	1/10/2024
41	ScotiaBank	5 - The Worst	ScotiaBank												Red big FF $	-- #9 in the world, #2 in Canada	1/10/2024
42	TD Bank	5 - The Worst	TD Bank												Red big FF $	-- #10 in the world, #3 in Canada	1/10/2024
43	BNP Paribas	5 - The Worst	BNP Paribas												Red big FF $	-- #11 in the world - (#1 in Europe for 2022)	1/10/2024
44	Morgan Stanley	5 - The Worst	Morgan Stanley												Red big FF $	-- #12 in the world	1/10/2024
45	HSBC	5 - The Worst	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.	1/10/2024
46	Goldman Sachs	5 - The Worst	Goldman Sachs												Red big FF $	-- #14 in the world	1/10/2024
47	Bank of Montreal	5 - The Worst	Bank of Montreal												Red big FF $	-- #15 in the world, #3 in Canada	1/10/2024
48	BMO Bank / Bank of the West	5 - The Worst	BMO (Bank of Montreal)	Bank of the West was aquired by BMO Harris which has become BMO Bank NA - a US subsidiary of Bank of Montreal											Red big FF $	-- #15 in the world, #3 in Canada	1/10/2024
49	5a-Partners of The Worst	5a-Partners of The Worst	Companies whose credit card is issued by one of the above major financiers of oil and gas exploration and infrastructure. If you have one of these cards, contact the company and tell them that they must drop their dirty bank and use a cleaner issuer or you will drop their card. THIS LIST IS NOT COMPLETE. Always look carefully at the back of your credit card to see who actually issues it. Let us know if you have an affiliate retailer credit card issued by a dirty bank that we have not listed below (or one issued by a good bank!)
50	Aer Lingus	5a-Partners of The Worst	Chase														10/9/2023
51	Aeroplan	5a-Partners of The Worst	Chase														10/9/2023
52	Alaska	5a-Partners of The Worst	Bank of America														10/9/2023
53	Amazon (Visa) /Whole Foods	5a-Partners of The Worst	Chase	Note that the Amazon Store card is issued by Synchrony which has its own problems (see Synchrony above)													10/9/2023
54	American Airlines	5a-Partners of The Worst	Citibank														10/9/2023
55	Apple	5a-Partners of The Worst	Goldman Sachs														10/9/2023
56	AT&T	5a-Partners of The Worst	Citibank														10/9/2023
57	Best Buy	5a-Partners of The Worst	Citibank														10/9/2023
58	Bilt	5a-Partners of The Worst	Wells Fargo														10/9/2023
59	Bloomingdales	5a-Partners of The Worst	Citibank														10/9/2023
60	BrandSource	5a-Partners of The Worst	Citibank														10/9/2023
61	British Airways	5a-Partners of The Worst	Chase														10/9/2023
62	Brooks Brothers	5a-Partners of The Worst	Citibank														10/9/2023
63	BRP Online	5a-Partners of The Worst	Citibank														10/9/2023
64	Celebrity Cruises	5a-Partners of The Worst	Bank of America														10/9/2023
65	Choice Hotels	5a-Partners of The Worst	Wells Fargo														10/9/2023
66	Costco	5a-Partners of The Worst	Citibank	If you already have this card, sign the petition at https://thirdact.org/blog/why-costco-should-clean-up-its-citi-credit-card/													10/9/2023
67	Dillards	5a-Partners of The Worst	Wells Fargo														10/9/2023
68	Disney	5a-Partners of The Worst	Chase														10/9/2023
69	DoorDash	5a-Partners of The Worst	Chase														10/9/2023
70	Electronics & Appliances Online	5a-Partners of The Worst	Citibank														10/9/2023
71	ExxonMobil	5a-Partners of The Worst	Citibank														10/9/2023
72	Gap	5a-Partners of The Worst	Barclays														10/9/2023
73	GM	5a-Partners of The Worst	Goldman Sachs														10/9/2023
74	Goodyear	5a-Partners of The Worst	Citibank														10/9/2023
75	Home Depot	5a-Partners of The Worst	Citibank														10/9/2023
76	Hotels.com	5a-Partners of The Worst	Wells Fargo														10/9/2023
77	Honda	5a-Partners of The Worst	Citibank														10/9/2023
78	Hyatt	5a-Partners of The Worst	Chase														10/9/2023
79	Iberia	5a-Partners of The Worst	Chase														10/9/2023
80	IHG	5a-Partners of The Worst	Chase														10/9/2023
81	Instacart	5a-Partners of The Worst	Chase														10/9/2023
82	Jewelers Reserve	5a-Partners of The Worst	Citibank														10/9/2023
83	LL Bean	5a-Partners of The Worst	Citibank														10/9/2023
84	Macy's	5a-Partners of The Worst	Citibank														10/9/2023
85	Marriot Bonvoy	5a-Partners of The Worst	Chase														10/9/2023
86	Meijer	5a-Partners of The Worst	Citibank														10/9/2023
87	Norwegian Cruise	5a-Partners of The Worst	Bank of America														10/9/2023
88	Office Depot	5a-Partners of The Worst	Citibank														10/9/2023
89	Overstock	5a-Partners of The Worst	Citibank														10/9/2023
90	Ross	5a-Partners of The Worst	Citibank														10/9/2023
91	Royal Caribbean	5a-Partners of The Worst	Bank of America														10/9/2023
92	Sears	5a-Partners of The Worst	Citibank														10/9/2023
93	Shell	5a-Partners of The Worst	Citibank														10/9/2023
94	Shop Your Way	5a-Partners of The Worst	Citibank														10/9/2023
95	Southwest Airlines	5a-Partners of The Worst	Chase														10/9/2023
96	Tractor Supply	5a-Partners of The Worst	Citibank														10/9/2023
97	United Airlines	5a-Partners of The Worst	Chase														10/9/2023
98	VW	5a-Partners of The Worst	Citibank														10/9/2023
99	Wawa	5a-Partners of The Worst	Citibank														10/9/2023
100	Wayfair	5a-Partners of The Worst	Citibank														10/9/2023
101
102	85		institutions


1	Alphabetic listing of credit cards and their rating 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 For comparisons of the best fossil fuel free credit card features, select the Best & Worst by Category tab. Sharable URL for this chart is https://www.climateaction.center/fossil-fuel-free-credit-card-compare
2	Offering institution		Issuer/ Underwriter	notes	Bank.green rating	Other fossil fuel indicators	Research Date	additional features and notes
3	Aer Lingus	5a-Partners of The Worst	Chase				10/9/2023
4	Aeroplan	5a-Partners of The Worst	Chase				10/9/2023
5	Alaska	5a-Partners of The Worst	Bank of America				10/9/2023
6	Alliant Credit Union	1 - The Best	CO-OP Financial Services		+ 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.
7	Amalgamated Bank	3 - Enviro problems	First National Bank of Omaha (FNBO)		listed but not enough info to rate	-- FNBO provides fossil fuel customer credit card services for BP & possibly others	10/10/2023	Bank.green data was ujpdated 10/10/23, rate data is still early 2023
8	Amazon (Visa) /Whole Foods	5a-Partners of The Worst	Chase	Note that the Amazon Store card is issued by Synchrony which has its own problems (see Synchrony above)			10/9/2023
9	American Airlines	5a-Partners of The Worst	Citibank				10/9/2023
10	American Express	2 - Neutral	American Express	AmEx issues its own cards and cards for several major companies (Amazon, Delta, Hilton, Marriot) but no oil companies. Many of AmEx cards have rewards for unsustainable travel (gas stations and air travel)	light green (OK) but could do better	Relatively aggressive corporate ESG goals. AmEx provides payment services and is not a bank and does not do direct FF investments. However, it enters into transactions and keeps money on deposit with other banks that fund fossil fuel.	1/10/2024
11	Apple	5a-Partners of The Worst	Goldman Sachs				10/9/2023
12	Aspiration	3 - Enviro problems	Beneficial State Bank	Zero Card (Visa - no longer accepting credit card applications - now only offers debit card	+ Green (high), but not fossil free certified yet.	-- Aspiration's Green claims appear to be vastly overblown (Propublica)	1/14/2024	Plants a tree with every purchase, biodegradable card
13	AT&T	5a-Partners of The Worst	Citibank				10/9/2023
14	Bank of America	5 - The Worst	Bank of America		Red big FF $	-- #4 in the world	1/10/2024
15	Bank of Montreal	5 - The Worst	Bank of Montreal		Red big FF $	-- #15 in the world, #3 in Canada	1/10/2024
16	Barclays	5 - The Worst	Barclays		Red big FF $	-- #7 in the world, #1 in Europe (2016-22)	1/10/2024
17	Beneficial State Bank	1 - The Best	Beneficial State Bank		++ 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
18	Best Buy	5a-Partners of The Worst	Citibank				10/9/2023
19	Bilt	5a-Partners of The Worst	Wells Fargo				10/9/2023
20	Bloomingdales	5a-Partners of The Worst	Citibank				10/9/2023
21	BMO Bank / Bank of the West	5 - The Worst	BMO (Bank of Montreal)	Bank of the West was aquired by BMO Harris which has become BMO Bank NA - a US subsidiary of Bank of Montreal	Red big FF $	-- #15 in the world, #3 in Canada	1/10/2024
22	BNP Paribas	5 - The Worst	BNP Paribas		Red big FF $	-- #11 in the world - (#1 in Europe for 2022)	1/10/2024
23	BrandSource	5a-Partners of The Worst	Citibank				10/9/2023
24	Bread Financial / Comenity	2 - Neutral	Bread Financial / Comenity	Bread Financial issues over 170 cards for a wide range of retailers From Ann Taylor to Zales Outlet. But no oil companies.	Not listed.	Bread apears totally focused on consumer services. Good environmental committment	10/10/2023
25	TIB The Independent Bankersbank	2 - Neutral	TIB The Independent Bankersbank	TIB issues credit cards for Brady Bank, Central National Bank Texas, Central Valley Community Bank, Chambers Bank, First Harrison Bank, First National Bank of Bastrop, First National Bank Texas, Jefferson Bank, Kleberg Bank, National Bank of Middlebury, NBT Financial, Marine Bank, Rio Bank, Sonora Bank, Texana Bank, Traditional Bank, Vista Bank, West Texas National Bank and other community banks.	Not listed.	Appears very focused on small lending for community banks. We are still investigating	2/5/2024
26	British Airways	5a-Partners of The Worst	Chase				10/9/2023
27	Brooks Brothers	5a-Partners of The Worst	Citibank				10/9/2023
28	BRP Online	5a-Partners of The Worst	Citibank				10/9/2023
29	Capital One	4 - Smaller fossil lenders	Capital One		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. No policies to avoid or wind down fossil fuel investment	1/5/2023	Recently rerated better - Green - by bank.green, but that seems to be a glitch. We are keeping it poorly rated
30	Celebrity Cruises	5a-Partners of The Worst	Bank of America				10/9/2023
31	Choice Hotels	5a-Partners of The Worst	Wells Fargo				10/9/2023
32	Citi	5 - The Worst	Citibank		Red big FF $	-- #2 in the world	1/10/2024
33	CO-OP Financial Services	1 - The Best	CO-OP Financial Services		+ 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.
34	CoreFirst Bank & Trust	2 - Neutral	CoreFirst Bank & Trust		Not listed.	CoreFirst apears totally focused on consumer services	1/5/2023	Topeka & Kansas City KS & Denver CO
35	Costco	5a-Partners of The Worst	Citibank	If you already have this card, sign the petition at https://thirdact.org/blog/why-costco-should-clean-up-its-citi-credit-card/			10/9/2023
36	Dillards	5a-Partners of The Worst	Wells Fargo				10/9/2023
37	Diners Club	2 - Neutral	Discover Financial Services	new applications are temporarily unavailable in late 2023	Not listed.		10/9/2023
38	Discover	2 - Neutral	Discover Financial Services		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.
39	Disney	5a-Partners of The Worst	Chase				10/9/2023
40	DoorDash	5a-Partners of The Worst	Chase				10/9/2023
41	Electronics & Appliances Online	5a-Partners of The Worst	Citibank				10/9/2023
42	ExxonMobil	5a-Partners of The Worst	Citibank				10/9/2023
43	First National Bank of Omaha (FNBO)	3 - Enviro problems	First National Bank of Omaha (FNBO)		listed but not enough info to rate	-- FNBO provides fossil fuel customer credit card services for BP & possibly others	10/10/2023	Bank.green data was ujpdated 10/10/23, rate data is still early 2023
44	Gap	5a-Partners of The Worst	Barclays				10/9/2023
45	GM	5a-Partners of The Worst	Goldman Sachs				10/9/2023
46	Goldman Sachs	5 - The Worst	Goldman Sachs		Red big FF $	-- #14 in the world	1/10/2024
47	Goodyear	5a-Partners of The Worst	Citibank				10/9/2023
48	Green America	3 - Enviro problems	TCM Bank, N.A.		not listed	-- TCM 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 or 2024
49	Home Depot	5a-Partners of The Worst	Citibank				10/9/2023
50	Honda	5a-Partners of The Worst	Citibank				10/9/2023
51	Hotels.com	5a-Partners of The Worst	Wells Fargo				10/9/2023
52	HSBC	5 - The Worst	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.	1/10/2024
53	Hyatt	5a-Partners of The Worst	Chase				10/9/2023
54	Iberia	5a-Partners of The Worst	Chase				10/9/2023
55	IHG	5a-Partners of The Worst	Chase				10/9/2023
56	Instacart	5a-Partners of The Worst	Chase				10/9/2023
57	Jewelers Reserve	5a-Partners of The Worst	Citibank				10/9/2023
58	JP Morgan Chase	5 - The Worst	JP Morgan Chase		Red big FF $	-- #1 FF financer in the world (2016-22)	1/10/2024
59	LL Bean	5a-Partners of The Worst	Citibank				10/9/2023
60	Macy's	5a-Partners of The Worst	Citibank				10/9/2023
61	Many credit unions and small banks	4 - Smaller fossil lenders	Elan Financial Services	Elan Financial is a huge credit card issuer, claiming over 1,200 financial institutions in its credit card program	Light red significant FF$	-- Owned by U.S. Bank/ US Bancorp - see above	10/10/2023
62	Marriot Bonvoy	5a-Partners of The Worst	Chase				10/9/2023
63	Meijer	5a-Partners of The Worst	Citibank				10/9/2023
64	Morgan Stanley	5 - The Worst	Morgan Stanley		Red big FF $	-- #12 in the world	1/10/2024
65	Norwegian Cruise	5a-Partners of The Worst	Bank of America				10/9/2023
66	Office Depot	5a-Partners of The Worst	Citibank				10/9/2023
67	Overstock	5a-Partners of The Worst	Citibank				10/9/2023
68	Patelco Credit Union	1 - The Best	Patelco Credit Union		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
69	RBC	5 - The Worst	RBC		Red big FF $	-- #5 in the world, #1 in Canada (2016-22)	1/10/2024
70	REI Coop	4 - Smaller fossil lenders	Capital One		Orange (insufficient info) See writeup		1/5/2023
71	Ross	5a-Partners of The Worst	Citibank				10/9/2023
72	Royal Caribbean	5a-Partners of The Worst	Bank of America				10/9/2023
73	ScotiaBank	5 - The Worst	ScotiaBank		Red big FF $	-- #9 in the world, #2 in Canada	1/10/2024
74	Sears	5a-Partners of The Worst	Citibank				10/9/2023
75	Self-Help Federal Credit Union (SHFCU)	1 - The Best	Self-Help Federal Credit Union		++ 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.
76	Shell	5a-Partners of The Worst	Citibank				10/9/2023
77	Shop Your Way	5a-Partners of The Worst	Citibank				10/9/2023
78	Southwest Airlines	5a-Partners of The Worst	Chase				10/9/2023
79	Synchrony Bank	3 - Enviro problems	Synchrony Bank	Synchrony is one of the largest private label credit card issuers and Issues many oil company credit & rewards cards including Chevron/Texaco/Techron, Citgo, Conoco, and Phillips 66. (BP has moved to FNBO)	Not listed.	-- we don't know whether Synchrony has direct fossil fuel investments, but they are a major issuer of oil company credit cards	10/9/2023
80	TCM Bank, N.A.	3 - Enviro problems	TCM Bank, N.A.
81	TD Bank	5 - The Worst	TD Bank		Red big FF $	-- #10 in the world, #3 in Canada	1/10/2024
82	Tractor Supply	5a-Partners of The Worst	Citibank				10/9/2023
83	U.S. Bank	4 - Smaller fossil lenders	U.S Bank		Light red significant FF$	-- Owned by US Bancorp (#34 FF lender 2016-22). Funded Enbridge pipeline. Dropped that under pressure but funding other projects and still no FF exclusion policy	1/10/2024
84	UMB	4 - Smaller fossil lenders	UMB		Not listed.	-- Unknown amount of fossil fuel financing but promote their "deep technical knowledge and experience, and extensive connections for U.S. oil and gas production projects"	10/9/2023
85	United Airlines	5a-Partners of The Worst	Chase				10/9/2023
86	VW	5a-Partners of The Worst	Citibank				10/9/2023
87	Wawa	5a-Partners of The Worst	Citibank				10/9/2023
88	Wayfair	5a-Partners of The Worst	Citibank				10/9/2023
89	Wells Fargo	5 - The Worst	Wells Fargo		Red big FF $	-- #3 in the world	1/10/2024