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    North Dakota Cards

    Compare Credit Cards in North Dakota 2026

    Compare top US credit cards available to North Dakota residents — balance transfer, rewards, cash back, 0% APR and credit-building options. See APRs, annual fees, and welcome bonuses side by side.

    No credit score impact 100% online Welcome bonuses up to $750
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    Balance Transfer
    Rewards Cards
    Cash Back
    0% APR Cards
    Credit Building

    Compare credit cards in North Dakota

    Live partner offers with APR, annual fee and credit requirements side by side.

    Advertiser disclosure: We may receive compensation from the companies shown on this page. This does not influence our rankings, ratings or editorial reviews.

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    Featured credit cards in North Dakota

    Illustrative offers shown for comparison. Actual terms vary by issuer and applicant.

    Citi

    Citi Simplicity®-style Balance Transfer

    Balance Transfer
    Intro APR
    0% for 21 months on balance transfers
    Ongoing APR
    18.24% – 28.99% (Variable)
    Annual fee
    $0
    Rewards
    None
    Welcome offer
    No late fees, no penalty APR

    Longest 0% intro APR in our list

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    Wells Fargo

    Reflect®-style 0% Intro Card

    Balance Transfer
    Intro APR
    0% for 18 months (purchases & BT)
    Ongoing APR
    17.24% – 28.99% (Variable)
    Annual fee
    $0
    Rewards
    None
    Welcome offer
    Cellphone protection up to $600

    Long intro period on both purchases and transfers

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    Chase

    Sapphire Preferred®-style Rewards

    Rewards Cards
    Intro APR
    N/A
    Ongoing APR
    21.49% – 28.49% (Variable)
    Annual fee
    $95
    Rewards
    2x–5x points on travel & dining
    Welcome offer
    60,000 points after $4,000 spend / 3 months

    Best travel-rewards starter card

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    American Express

    Gold-style Dining & Grocery Rewards

    Rewards Cards
    Intro APR
    N/A
    Ongoing APR
    20.99% – 28.99% (Variable)
    Annual fee
    $250
    Rewards
    4x points at restaurants & US supermarkets
    Welcome offer
    60,000 Membership Rewards points

    Top earn rate on groceries & dining

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    Citi

    Double Cash-style Flat Rate

    Cash Back
    Intro APR
    0% for 18 months on balance transfers
    Ongoing APR
    18.24% – 28.24% (Variable)
    Annual fee
    $0
    Rewards
    2% on every purchase (1% buy / 1% pay)
    Welcome offer
    $200 cash back after $1,500 spend / 6 months

    Best flat-rate cash back, no categories to track

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    Chase

    Freedom Unlimited®-style Cash Back

    Cash Back
    Intro APR
    0% for 15 months on purchases
    Ongoing APR
    20.49% – 29.24% (Variable)
    Annual fee
    $0
    Rewards
    1.5%–5% cash back across categories
    Welcome offer
    $200 after $500 spend / 3 months

    Strong everyday earner with a 0% intro APR

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    Bank of America

    Customized Cash 0% Intro APR

    0% APR Cards
    Intro APR
    0% for 18 months (purchases & BT)
    Ongoing APR
    18.24% – 28.24% (Variable)
    Annual fee
    $0
    Rewards
    3% in choice category, 2% groceries
    Welcome offer
    $200 after $1,000 spend / 90 days

    Long intro APR plus tiered cash back

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    U.S. Bank

    Visa® Platinum 0% Intro

    0% APR Cards
    Intro APR
    0% for 21 billing cycles
    Ongoing APR
    18.74% – 29.74% (Variable)
    Annual fee
    $0
    Rewards
    None
    Welcome offer
    Cellphone protection benefit included

    21-month 0% intro on purchases and BTs

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    Capital One

    Platinum Secured-style Builder

    Credit Building
    Intro APR
    N/A
    Ongoing APR
    29.99% (Variable)
    Annual fee
    $0
    Rewards
    Credit line increase reviews after 6 months
    Welcome offer
    Refundable security deposit from $49

    Low deposit, automatic credit-line review

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    Discover

    it® Secured-style Card

    Credit Building
    Intro APR
    10.99% intro APR on BT for 6 months
    Ongoing APR
    28.24% (Variable)
    Annual fee
    $0
    Rewards
    2% gas & restaurants, 1% everything else
    Welcome offer
    Cashback Match — doubles first-year rewards

    Earns rewards while you build credit

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    Browse credit card categories in North Dakota

    Balance Transfer in North Dakota

    Move high-APR balances to a card with 0% intro APR for up to 21 months.

    Rewards Cards in North Dakota

    Earn points, miles or cash back on every purchase — with sign-up bonuses up to $750.

    Cash Back in North Dakota

    Get 1.5%–6% back on groceries, gas, dining and online shopping with no annual fee options.

    0% APR Cards in North Dakota

    Finance large purchases interest-free for up to 21 months with a 0% intro APR card.

    Credit Building in North Dakota

    Build or rebuild your credit with secured and starter cards that report to all 3 bureaus.

    How to compare credit cards in North Dakota

    The right credit card depends on how you spend, whether you carry a balance, and what your credit profile looks like today. Use the categories above to narrow your search, then compare APRs, annual fees, and welcome bonuses side by side.

    • Check the intro APR length and whether it applies to purchases, balance transfers, or both.
    • Compare annual fees against expected annual rewards value.
    • Confirm bonus categories match your real spending — groceries, gas, travel, dining.
    • Look at the ongoing APR if there's any chance you'll carry a balance.
    • Confirm the issuer is licensed to operate in North Dakota and review state-specific cardholder disclosures.

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