Grace Period Rankings
| Rank | Card | Grace Period | vs. All Cards |
|---|---|---|---|
| 1st | Brex Corporate Card Brex | 30 days | Better than 99% |
| 1st | Ramp Corporate Card Ramp | 30 days | Better than 99% |
| 3rd | Apple Card Goldman Sachs | 28 days | Better than 99% |
| 4th | First PREMIER Bank Mastercard® First PREMIER Bank | 27 days | Better than 98% |
| 5th | Alliant Cashback Visa® Signature Credit Card Alliant Credit Union | 25 days | Better than 53% |
| 5th | Gold Rewards Card American Express | 25 days | Better than 53% |
| 5th | Avant Credit Card Avant (WebBank) | 25 days | Better than 53% |
| 5th | Bank of America® Business Advantage Customized Cash Rewards Mastercard® Bank of America | 25 days | Better than 53% |
| 5th | Bank of America® Business Advantage Travel Rewards World Mastercard® Bank of America | 25 days | Better than 53% |
| 5th | Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Bank of America | 25 days | Better than 53% |
| 5th | Bank of America® Customized Cash Rewards Credit Card Bank of America | 25 days | Better than 53% |
| 5th | Bank of America® Premium Rewards® Elite Credit Card Bank of America | 25 days | Better than 53% |
| 5th | Bank of America® Premium Rewards® Credit Card Bank of America | 25 days | Better than 53% |
| 5th | Bank of America® Travel Rewards Credit Card Bank of America | 25 days | Better than 53% |
| 5th | Bank of America® Unlimited Cash Rewards Credit Card Bank of America | 25 days | Better than 53% |
| 5th | BECU Visa® Credit Card BECU | 25 days | Better than 53% |
| 5th | Bilt World Elite Mastercard® Wells Fargo (Bilt) | 25 days | Better than 53% |
| 5th | BMO Cash Back Mastercard® BMO (US) | 25 days | Better than 53% |
| 5th | Air France KLM World Elite Mastercard® Bank of America | 25 days | Better than 53% |
| 5th | Alaska Airlines Visa® Business Card Bank of America | 25 days | Better than 53% |
| 5th | Alaska Airlines Visa Signature® Bank of America | 25 days | Better than 53% |
| 5th | Allegiant World Mastercard® Bank of America | 25 days | Better than 53% |
| 5th | BankAmericard® Bank of America | 25 days | Better than 53% |
| 5th | Business Advantage Customized Cash Rewards Mastercard® Bank of America | 25 days | Better than 53% |
| 5th | Business Advantage Travel Rewards World Mastercard® Bank of America | 25 days | Better than 53% |
| 5th | Business Advantage Unlimited Cash Rewards Mastercard® Bank of America | 25 days | Better than 53% |
| 5th | Celebrity Cruises® Visa Signature® Bank of America | 25 days | Better than 53% |
| 5th | Bank of America Customized Cash Rewards Bank of America | 25 days | Better than 53% |
| 5th | Free Spirit® Travel More World Elite Mastercard® Bank of America | 25 days | Better than 53% |
| 5th | Free Spirit® Travel Mastercard® Bank of America | 25 days | Better than 53% |
| 5th | Norwegian Cruise Line® World Mastercard® Bank of America | 25 days | Better than 53% |
| 5th | Platinum Plus® Mastercard® Business card Bank of America | 25 days | Better than 53% |
| 5th | Bank of America Premium Rewards Elite Bank of America | 25 days | Better than 53% |
| 5th | Bank of America Premium Rewards Bank of America | 25 days | Better than 53% |
| 5th | Royal Caribbean® Visa Signature® Bank of America | 25 days | Better than 53% |
| 5th | Sonesta World Mastercard® Bank of America | 25 days | Better than 53% |
| 5th | Susan G. Komen® Customized Cash Rewards Visa® Bank of America | 25 days | Better than 53% |
| 5th | Bank of America Travel Rewards Bank of America | 25 days | Better than 53% |
| 5th | Bank of America Unlimited Cash Rewards Bank of America | 25 days | Better than 53% |
| 5th | Virgin Atlantic World Elite Mastercard® Bank of America | 25 days | Better than 53% |
| 5th | World Wildlife Fund Customized Cash Rewards Visa® Bank of America | 25 days | Better than 53% |
| 5th | AAA Daily Advantage Visa Signature® Credit Card Bread Financial (Comenity) | 25 days | Better than 53% |
| 5th | AAA Travel Advantage Visa Signature® Credit Card Bread Financial (Comenity) | 25 days | Better than 53% |
| 5th | Capital One Platinum Credit Card Capital One | 25 days | Better than 53% |
| 5th | Capital One Quicksilver Student Cash Rewards Credit Card Capital One | 25 days | Better than 53% |
| 5th | Capital One Quicksilver Cash Rewards Credit Card Capital One | 25 days | Better than 53% |
| 5th | Capital One QuicksilverOne Cash Rewards Credit Card Capital One | 25 days | Better than 53% |
| 5th | Capital One SavorOne Student Cash Rewards Credit Card Capital One | 25 days | Better than 53% |
| 5th | Capital One SavorOne Cash Rewards Credit Card Capital One | 25 days | Better than 53% |
| 5th | Capital One Spark Cash Plus Capital One | 25 days | Better than 53% |
| 5th | Capital One Spark Cash Select Capital One | 25 days | Better than 53% |
| 5th | Capital One Spark Miles Select for Business Capital One | 25 days | Better than 53% |
| 5th | Capital One Spark Miles for Business Capital One | 25 days | Better than 53% |
| 5th | Capital One Venture X Business Capital One | 25 days | Better than 53% |
| 5th | Capital One Venture X Rewards Credit Card Capital One | 25 days | Better than 53% |
| 5th | Capital One Venture Rewards Credit Card Capital One | 25 days | Better than 53% |
| 5th | Capital One VentureOne Rewards Credit Card Capital One | 25 days | Better than 53% |
| 5th | Amazon Prime Visa Chase | 25 days | Better than 53% |
| 5th | Amazon Visa Chase | 25 days | Better than 53% |
| 5th | Disney® Inspire Visa® Card Chase | 25 days | Better than 53% |
| 5th | Disney® Premier Visa® Card Chase | 25 days | Better than 53% |
| 5th | Disney® Visa® Card Chase | 25 days | Better than 53% |
| 5th | Special Connections® Visa® Commerce Bank | 25 days | Better than 53% |
| 5th | Discover it® Cash Back Discover | 25 days | Better than 53% |
| 5th | Discover it® Chrome Discover | 25 days | Better than 53% |
| 5th | Discover it® Miles Discover | 25 days | Better than 53% |
| 5th | Discover it® Secured Credit Card Discover | 25 days | Better than 53% |
| 5th | Discover it® Student Cash Back Discover | 25 days | Better than 53% |
| 5th | Discover it® Student Chrome Discover | 25 days | Better than 53% |
| 5th | Priority Destinations® World Elite Mastercard® First Hawaiian Bank | 25 days | Better than 53% |
| 5th | Odyssey™ Rewards World Elite Mastercard® First Tech FCU | 25 days | Better than 53% |
| 5th | Gemini Credit Card® WebBank (Gemini) | 25 days | Better than 53% |
| 5th | Platinum Rewards Credit Card Golden 1 Credit Union | 25 days | Better than 53% |
| 5th | My GM Rewards Card Goldman Sachs | 25 days | Better than 53% |
| 5th | Key2More Rewards® Mastercard® KeyBank | 25 days | Better than 53% |
| 5th | Merrick Bank Double Your Line® Visa® Merrick Bank | 25 days | Better than 53% |
| 5th | M&T Visa® Signature Credit Card M&T Bank | 25 days | Better than 53% |
| 5th | cashRewards Credit Card Navy Federal Credit Union | 25 days | Better than 53% |
| 5th | Visa Signature® Flagship Rewards Credit Card Navy Federal Credit Union | 25 days | Better than 53% |
| 5th | GO REWARDS® Credit Card Navy Federal Credit Union | 25 days | Better than 53% |
| 5th | More Rewards American Express® Card Navy Federal Credit Union | 25 days | Better than 53% |
| 5th | Platinum Credit Card Navy Federal Credit Union | 25 days | Better than 53% |
| 5th | Gold Visa® Card PenFed Credit Union | 25 days | Better than 53% |
| 5th | Pathfinder® Rewards Visa Signature® Card PenFed Credit Union | 25 days | Better than 53% |
| 5th | Platinum Rewards Visa Signature® Card PenFed Credit Union | 25 days | Better than 53% |
| 5th | Power Cash Rewards Visa Signature® Card PenFed Credit Union | 25 days | Better than 53% |
| 5th | Petal® 2 "Cash Back, No Fees" Visa® Credit Card WebBank (Petal) | 25 days | Better than 53% |
| 5th | Robinhood Gold Card Robinhood | 25 days | Better than 53% |
| 5th | Robinhood Platinum Card Robinhood | 25 days | Better than 53% |
| 5th | Santander® Ultimate Cash Back Santander Bank | 25 days | Better than 53% |
| 5th | SchoolsFirst Inspire Mastercard® SchoolsFirst FCU | 25 days | Better than 53% |
| 5th | SECU Visa® Credit Card SECU (NC) | 25 days | Better than 53% |
| 5th | SoFi Credit Card The Bancorp Bank | 25 days | Better than 53% |
| 5th | TD Double Up℠ Credit Card TD Bank | 25 days | Better than 53% |
| 5th | Truist Enjoy Cash credit card Truist | 25 days | Better than 53% |
| 5th | USAA® Cashback Rewards Plus American Express® Card USAA | 25 days | Better than 53% |
| 5th | USAA® Rate Advantage Visa Platinum® Card USAA | 25 days | Better than 53% |
| 5th | Wells Fargo Active Cash® Card Wells Fargo | 25 days | Better than 53% |
| 5th | Wells Fargo Attune℠ Card Wells Fargo | 25 days | Better than 53% |
| 5th | Wells Fargo Autograph Journey℠ Card Wells Fargo | 25 days | Better than 53% |
| 5th | Wells Fargo Autograph℠ Card Wells Fargo | 25 days | Better than 53% |
| 5th | Bilt Mastercard® Wells Fargo | 25 days | Better than 53% |
| 5th | Choice Privileges® Select Mastercard® Wells Fargo | 25 days | Better than 53% |
| 5th | Choice Privileges® Mastercard® Wells Fargo | 25 days | Better than 53% |
| 5th | Wells Fargo Reflect® Card Wells Fargo | 25 days | Better than 53% |
| 5th | Signify Business Cash℠ Card by Wells Fargo Wells Fargo | 25 days | Better than 53% |
| 107th | Comerica Platinum Rewards Mastercard® Comerica Bank | 24 days | Better than 47% |
| 107th | Platinum Rewards Visa® Credit One Bank | 24 days | Better than 47% |
| 107th | Fidelity® Rewards Visa Signature® Card Elan Financial Services | 24 days | Better than 47% |
| 107th | U.S. Bank Altitude® Connect Visa Signature® Card U.S. Bank | 24 days | Better than 47% |
| 107th | U.S. Bank Altitude® Go Visa Signature® Card U.S. Bank | 24 days | Better than 47% |
| 107th | U.S. Bank Altitude® Reserve Visa Infinite® Card U.S. Bank | 24 days | Better than 47% |
| 107th | U.S. Bank Business Altitude™ Connect World Elite Mastercard® U.S. Bank | 24 days | Better than 47% |
| 107th | U.S. Bank Business Altitude™ Power World Elite Mastercard® U.S. Bank | 24 days | Better than 47% |
| 107th | U.S. Bank Business Leverage® Visa Signature® Card U.S. Bank | 24 days | Better than 47% |
| 107th | U.S. Bank Business Triple Cash Rewards World Elite Mastercard® U.S. Bank | 24 days | Better than 47% |
| 107th | U.S. Bank Cash+® Visa Signature® Card U.S. Bank | 24 days | Better than 47% |
| 107th | U.S. Bank Visa® Platinum Card U.S. Bank | 24 days | Better than 47% |
| 107th | U.S. Bank Shopper Cash Rewards® Visa Signature® Card U.S. Bank | 24 days | Better than 47% |
| 120th | Amex Blue Cash Everyday American Express | 23 days | Better than 18% |
| 120th | Amex Blue Cash Preferred American Express | 23 days | Better than 18% |
| 120th | Amex Blue Business Cash Card American Express | 23 days | Better than 18% |
| 120th | The Blue Business Plus Credit Card from American Express American Express | 23 days | Better than 18% |
| 120th | Amex Delta SkyMiles® Gold Business Card American Express | 23 days | Better than 18% |
| 120th | Amex Delta SkyMiles® Platinum Business Card American Express | 23 days | Better than 18% |
| 120th | Amex Delta SkyMiles® Reserve Business Card American Express | 23 days | Better than 18% |
| 120th | Amex Business Gold Card American Express | 23 days | Better than 18% |
| 120th | Amex Graphite® Business Cash Unlimited Card American Express | 23 days | Better than 18% |
| 120th | Business Green Rewards Card from American Express American Express | 23 days | Better than 18% |
| 120th | Amex Hilton Honors Business Card American Express | 23 days | Better than 18% |
| 120th | Amex Marriott Bonvoy Business Card American Express | 23 days | Better than 18% |
| 120th | Amex Business Platinum Card® American Express | 23 days | Better than 18% |
| 120th | Amex Cash Magnet American Express | 23 days | Better than 18% |
| 120th | Centurion Card from American Express American Express | 23 days | Better than 18% |
| 120th | Amex Delta SkyMiles Blue American Express | 23 days | Better than 18% |
| 120th | Amex Delta SkyMiles Gold American Express | 23 days | Better than 18% |
| 120th | Amex Delta SkyMiles Platinum American Express | 23 days | Better than 18% |
| 120th | Delta SkyMiles Reserve American Express Card American Express | 23 days | Better than 18% |
| 120th | Amex EveryDay American Express | 23 days | Better than 18% |
| 120th | Amex Green Card American Express | 23 days | Better than 18% |
| 120th | Hilton Honors American Express Aspire Card American Express | 23 days | Better than 18% |
| 120th | Amex Hilton Honors American Express | 23 days | Better than 18% |
| 120th | Hilton Honors American Express Surpass Card American Express | 23 days | Better than 18% |
| 120th | Marriott Bonvoy Bevy American Express Card American Express | 23 days | Better than 18% |
| 120th | Marriott Bonvoy American Express Card American Express | 23 days | Better than 18% |
| 120th | Marriott Bonvoy Brilliant American Express Card American Express | 23 days | Better than 18% |
| 120th | Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley American Express | 23 days | Better than 18% |
| 120th | Optima® Platinum Card American Express | 23 days | Better than 18% |
| 120th | Amex Optima Card American Express | 23 days | Better than 18% |
| 120th | Amex Platinum Card American Express | 23 days | Better than 18% |
| 120th | Charles Schwab Investor Credit Card from American Express American Express | 23 days | Better than 18% |
| 120th | AAdvantage® Aviator® Red World Elite Mastercard® Barclays | 23 days | Better than 18% |
| 120th | Hawaiian Airlines® World Elite Mastercard® Barclays | 23 days | Better than 18% |
| 120th | JetBlue Plus Card Barclays | 23 days | Better than 18% |
| 120th | JetBlue Card Barclays | 23 days | Better than 18% |
| 120th | Wyndham Rewards Earner® Business Card Barclays | 23 days | Better than 18% |
| 120th | Wyndham Rewards Earner® Plus Card Barclays | 23 days | Better than 18% |
| 120th | Citi® / AAdvantage® Executive World Elite Mastercard® Citi | 23 days | Better than 18% |
| 120th | American Airlines AAdvantage® MileUp® Mastercard® Citi | 23 days | Better than 18% |
| 120th | Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Citi | 23 days | Better than 18% |
| 120th | AT&T Points Plus® Card from Citi Citi | 23 days | Better than 18% |
| 120th | My Best Buy Visa Card Citibank | 23 days | Better than 18% |
| 120th | CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Citi | 23 days | Better than 18% |
| 120th | Costco Anywhere Visa® Business Card by Citi Citi | 23 days | Better than 18% |
| 120th | Costco Anywhere Visa® Card by Citi Citi | 23 days | Better than 18% |
| 120th | Citi Custom Cash® Card Citi | 23 days | Better than 18% |
| 120th | Citi® Diamond Preferred® Card Citi | 23 days | Better than 18% |
| 120th | Citi Dividend Card Citibank | 23 days | Better than 18% |
| 120th | Citi Double Cash® Card Citi | 23 days | Better than 18% |
| 120th | The Home Depot Consumer Credit Card Citibank | 23 days | Better than 18% |
| 120th | L.L.Bean Mastercard Citibank | 23 days | Better than 18% |
| 120th | Macy's American Express Card Citibank | 23 days | Better than 18% |
| 120th | Citi Premier Card Citibank | 23 days | Better than 18% |
| 120th | Citi Prestige Card Citibank | 23 days | Better than 18% |
| 120th | Citi Rewards+® Card Citi | 23 days | Better than 18% |
| 120th | Shop Your Way Mastercard Citibank | 23 days | Better than 18% |
| 120th | Citi Simplicity® Card Citi | 23 days | Better than 18% |
| 120th | Citi Strata Premier℠ Card Citi | 23 days | Better than 18% |
| 120th | Citi ThankYou Preferred Card Citibank | 23 days | Better than 18% |
| 120th | Fifth Third 1.67% Cash/Back Card Fifth Third Bank | 23 days | Better than 18% |
| 120th | Mission Lane Visa® Credit Card Mission Lane (Transportation Alliance Bank) | 23 days | Better than 18% |
| 120th | Amazon Store Card Synchrony | 23 days | Better than 18% |
| 120th | PayPal Cashback Mastercard® Synchrony | 23 days | Better than 18% |
| 120th | Venmo Credit Card Synchrony | 23 days | Better than 18% |
| 185th | Chase Aeroplan® Credit Card Chase | 21 days | Better than 0% |
| 185th | World of Hyatt Business Credit Card Chase | 21 days | Better than 0% |
| 185th | IHG One Rewards Premier Business Credit Card Chase | 21 days | Better than 0% |
| 185th | Ink Business Cash® Credit Card Chase | 21 days | Better than 0% |
| 185th | Ink Business Preferred® Credit Card Chase | 21 days | Better than 0% |
| 185th | Ink Business Premier® Credit Card Chase | 21 days | Better than 0% |
| 185th | Southwest® Rapid Rewards® Performance Business Credit Card Chase | 21 days | Better than 0% |
| 185th | Southwest® Rapid Rewards® Premier Business Credit Card Chase | 21 days | Better than 0% |
| 185th | United Club℠ Business Card Chase | 21 days | Better than 0% |
| 185th | United℠ Business Card Chase | 21 days | Better than 0% |
| 185th | DoorDash Rewards Mastercard® Chase | 21 days | Better than 0% |
| 185th | Chase Freedom Flex℠ Chase | 21 days | Better than 0% |
| 185th | Chase Freedom Unlimited® Chase | 21 days | Better than 0% |
| 185th | World of Hyatt Credit Card Chase | 21 days | Better than 0% |
| 185th | IHG One Rewards Premier Credit Card Chase | 21 days | Better than 0% |
| 185th | IHG One Rewards Traveler Credit Card Chase | 21 days | Better than 0% |
| 185th | Chase Ink Business Unlimited® Chase | 21 days | Better than 0% |
| 185th | Instacart Mastercard® Chase | 21 days | Better than 0% |
| 185th | Marriott Bonvoy Bold® Credit Card Chase | 21 days | Better than 0% |
| 185th | Marriott Bonvoy Boundless® Credit Card Chase | 21 days | Better than 0% |
| 185th | Marriott Bonvoy Bountiful™ Credit Card Chase | 21 days | Better than 0% |
| 185th | Chase Sapphire Preferred Chase | 21 days | Better than 0% |
| 185th | Chase Sapphire Reserve® Chase | 21 days | Better than 0% |
| 185th | Southwest Rapid Rewards® Plus Credit Card Chase | 21 days | Better than 0% |
| 185th | Southwest Rapid Rewards® Premier Credit Card Chase | 21 days | Better than 0% |
| 185th | Southwest Rapid Rewards® Priority Credit Card Chase | 21 days | Better than 0% |
| 185th | United Club℠ Infinite Card Chase | 21 days | Better than 0% |
| 185th | United℠ Explorer Card Chase | 21 days | Better than 0% |
| 185th | United Gateway℠ Credit Card Chase | 21 days | Better than 0% |
| 185th | United Quest℠ Card Chase | 21 days | Better than 0% |
| 185th | Chime Credit Builder Secured Visa® Credit Card Chime (Stride Bank) | 21 days | Better than 0% |
| 185th | Citizens Cash Back Plus™ World Mastercard® Citizens Bank | 21 days | Better than 0% |
| 185th | Unicorn Card Cred.ai (WSFS Bank) | 21 days | Better than 0% |
| 185th | Smart Option® Visa® First Citizens Bank | 21 days | Better than 0% |
| 185th | FNBO Evergreen® Rewards Visa® First National Bank of Omaha (FNBO) | 21 days | Better than 0% |
| 185th | Huntington Voice Credit Card® Huntington Bank | 21 days | Better than 0% |
| 185th | PNC Cash Rewards® Visa® Credit Card PNC Bank | 21 days | Better than 0% |
| 185th | Regions Cash Rewards Visa® Regions Bank | 21 days | Better than 0% |
| 185th | Upgrade Cash Rewards Visa® Upgrade (Sutton Bank) | 21 days | Better than 0% |
| 185th | Amazing Rewards® Visa® Credit Card Zions Bank | 21 days | Better than 0% |
| 225th | Tomo Credit Card TomoCredit (Community Federal Savings Bank) | 7 days | Better than 0% |