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About
I’ve been using credit cards for years, and the cards themselves have come and gone. Some cards are forced into discontinuation because the benefits are just too good and the bank loses money. Others are discontinued because too few people use them and they simply aren’t attractive anymore. In addition, if it’s a co-branded credit card, the card can also be discontinued when the partnership ends. This article rounds up the credit cards that have already been discontinued, partly as a keepsake. It’s worth noting that Chase has relatively few discontinued cards (unless a co-brand partnership ends), so it’s probably the most stable credit card issuer in terms of product lineup.
That said, even a discontinued card may still be obtainable. Here we’ll also separately list cards that are discontinued but can still be acquired through a product change. If you find that useful, you may still be able to get them indirectly!
Discontinued Cards (Still Obtainable)
Chase Ritz-Carlton Credit Card
Although this card has already been discontinued, you can still get it by product changing from Chase Marriott. You need a credit limit above $10,000, and you can only do the product change after holding the card for one year. Just call customer service or send a secure message. The biggest perk of this card is an annual 85,000-point free night certificate, plus a $300 airline incidental credit (in practice, related purchases can usually be reimbursed through a secure message), as well as free Priority Pass, while the annual fee is only $450. In other words, as long as you can fully use all three benefits, this is a card with a clearly negative annual fee and can be held long term. The value is even higher than Chase Marriott!
AMEX Marriott Bonvoy Credit Card
Although this card has been discontinued, you can still get it by product changing from AMEX Marriott Brilliant Card. The annual fee is only $95, but it comes with a 35,000-point free night certificate, so it’s still worth holding long term. You can think of it as a temporary parking spot, and later upgrade when you need Marriott Brilliant to get Marriott Platinum.
Citi Custom Cash
This card is still available to apply for right now, or you can product change from other Citi cards, so if you want one, act fast! For existing cardholders, this card will continue to be kept, and we still don’t know whether it will disappear in the future. From my perspective, this card is really a bit too easy to use—it’s basically an automatic 5% cash back every month, with no annual fee, and you can even hold multiple cards through product changes. No wonder Citi feels it can’t make money on it and wants to stop new applications.
Automatically earn 5% cash back in your top eligible spending category; no annual fee!
- Welcome bonus: 20,000 ThankYou Points (spend $1,500 in the 6 months before account opening)
- Rewards: Earn 5% cash back on your highest eligible spending category each billing cycle, on up to the first $500 in purchases; after that, earn 1%. Categories include: restaurants, gas stations, grocery stores, travel, transit, streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
- Redemption: Can be redeemed directly for cash back, or transferred to airline miles if you also have a premium card
- Annual fee: $0
- Apply now>>
Discontinued in 2026
BofA Spirit Credit Card
Bank of America is notifying existing Spirit Airlines co-branded credit cardholders that their accounts will be automatically converted to the no-annual-fee Bank of America Customized Cash Rewards credit card. Of course, the main reason is still that Spirit has stopped operating, so the card is gone too.
AMEX Green (July)
- This card has quietly been removed from the official website, and the application link is dead too. I expect AMEX will make changes to this card, since compared with AMEX GoldPlatinum, this card just doesn’t have much of a reason to exist. Hopefully it can be changed into a no-annual-fee card, giving everyone a no-fee option for transferable points.
3x points on travel and dining; up to $200 in annual credits!
- Welcome bonus: 40,000 points (spend $3,000 in 6 months)
- Rewards: 3x MR on travel (hotels, airlines, transit, etc.) and dining worldwide; 1x MR on all other purchases
- Redemption: Points can be redeemed for gift cards, cash, and travel; transferring to airline miles usually offers the best value
- Annual fee: $150
- Apply now>>
US Bank Kroger Credit Card
- This card has been discontinued mainly because the partnership between US Bank and Kroger has ended. Existing cardholders will be converted to the US Bank Smartly card, which offers up to 4% cash back.
5% cash back on Kroger Pay and mobile wallet purchases, with no annual fee~
- Welcome bonus: $100 (spend $500 in 90 days)
- Rewards: 5% cash back on Kroger Pay and mobile wallet purchases (on the first $3k); 2% at Kroger; 1% on all other purchases
- Redemption: Redeem for cash back
- Annual fee: $0
- Apply now>>
US Bank Shopper Card
The application page has quietly been taken down!
U.S. Bank Shopper Cash Rewards Credit Card
Choose your own 6% and 3% categories; usable at Amazon, Walmart, Costco, and Target!
- Welcome bonus: $250 (spend $2,000 within 120 days of account opening)
- Rewards: Each quarter, choose two 6% cash back merchants and one 3% cash back category (each capped at $1500 in spending); all other purchases earn 1.5% cash back
- Redemption: Redeem for cash back directly
- Annual fee: $95（No annual fee for the first year）
- Apply now>>
Wells Fargo Attune
Quietly taken down; no longer available to apply.
Wells Fargo Attune Credit Card
Up to 4% cash back, with plenty of niche categories covered!
- Welcome bonus: $100 (Spend $500 in 3 months)
- Rewards: 4% on spas, gyms, entertainment, sports, EV charging, and transit; 1% on all other purchases
- Redemption: Cash back
- Annual fee: $0
- Apply now>>
AMEX Plum
It’s been changed into a new card. This card is really pretty uninteresting unless you need financing.
AMEX Amazon Business
AMEX’s partnership with Amazon has ended, and this card is now issued by US Bank.
AMEX Amazon Business Business Credit Card
5% cash back at Amazon and Whole Foods; no annual fee!
- Welcome bonus: $200 Amazon GC (free when you open the card; $125 for non-Prime)
- Rewards: 5% at Amazon, Whole Foods, and AWS; 2% at restaurants, gas stations, and wireless phone services; 1% on everything else
- Redemption: Cash back
- Annual fee: $0
- Apply now>>
Barclays Aviator Series
Citi now has exclusive rights to issue AA cards and basically acquired Barclays’ customer base, so the Aviator series has all been converted into Citi AA cards.
Barclays AAdvantage Aviator Red American Airlines Credit Card
$0 intro annual fee for the first year
- Welcome bonus: 50,000 AA miles (one purchase within 90 days)
- Rewards: 2x on AA website and phone bookings; 1x on all other purchases
- Redemption: Best value for redeeming flights between the U.S. and China or the U.S. and Europe; business class redemptions can offer solid value.
- Annual fee: $99
- Apply now>>
Barclays AA Aviator American Airlines Business Credit Card
American Airlines perks
- Welcome bonus: 60,000 AA miles (spend $5,000 within 90 days) + 15,000 miles (spend $15,000 within 12 months)
- Rewards: 2x on American Airlines purchases; 2x on office supplies, wireless phone services, and car rentals; 1x on all other purchases
- Redemption: Best value for redeeming flights between the U.S. and China or between the U.S. and Europe; business-class redemptions can offer solid value.
- Annual fee: $99
- Apply now>>
Discontinued in 2025
Deserve Edu
- This used to be a great card that you could apply for without an SSN as long as you had a visa, and it was especially friendly for international students. Unfortunately, it has gradually become impossible to keep offering it.
No annual fee; can apply without an SSN!
- Welcome bonus: N/A
- Rewards: 1% on all purchases
- Redemption: Redeem directly
- Annual fee: $0
- Apply now>>
Citi Rewards+
- Most people used this card for small purchases, the round up rewards, and the 10% points rebate on redemptions each year. I guess Citi wasn’t making money on it, so it was forced into discontinuation.
No annual fee! Best paired with other Citi TYP credit cards
- Welcome bonus: No longer available to apply for, but you can product change.
- Rewards: 2x points at supermarkets and gas stations (on the first $6000 in purchases); 1x points on all other purchases. Earn at least 10 points per transaction.
- Redemption: If you also hold a premium card, points can be transferred 1:1 to airline miles or hotel points; get 10% points back on redemptions
- Annual fee: $0
- Apply now>>
Discontinued in 2024
US Bank Altitude Reserve
The legendary Apple Pay card of its era has finally fallen, and the reimbursement process is now more cumbersome! There had long been rumors that transfer partners would be added, but nothing ever materialized.
US Bank Altitude Reserve Credit Card
A premium travel card with up to $325 in annual travel credits! Earn 3x on travel and mobile wallet purchases!
- Welcome bonus: 50,000 points (spend $4,500 in 3 months)
- Rewards: 3x on travel (airfare, hotels, car rentals, etc.) and mobile wallet purchases, 1x on all other purchases
- Redemption: Redeem for travel at 1.5 cents per point, or 1 cent per point for cash back
- Annual fee: $400
- Apply now>>
AMEX Everyday Card
- As a no-annual-fee card that can earn transferable points, this card was still pretty good. But the big problem is that its earning power is really a bit weak, and to get multipliers you still have to make 20 purchases per month, which is a hassle. Its benefits also aren’t especially distinctive, and even the supermarket earning rate has a cap.
- Existing cardholders can still keep it, and it can be product changed back and forth with Everyday Preferred.
2.4x points at supermarkets; no annual fee!
- Welcome bonus: 10,000 Membership Rewards (spend $1,000 in 3 months)
- Rewards: Up to 2.4x at supermarkets, up to 1.2x on other purchases (requires 20+ purchases per month)
- Redemption: Redeem for gift cards, cash, and travel; best value when transferred to airline miles
- Annual fee: $0
- Apply now>>
AMEX Everyday Preferred
- This card has a $99 annual fee, but what you get in return is only up to 3x at supermarkets. If you want the extra bonus, you also need to make 30 purchases per month. This kind of rewards structure really feels out of step with today’s market. These days it’s all about statement credits and high rewards rates—cards that catch your eye because they have clear, standout features.
- Existing cardholders can still keep it, and it can be product changed back and forth with Everyday.
AMEX EveryDay Preferred Credit Card
A great grocery card: 4.5x at supermarkets, 3x at gas stations, and 1.5x on all other purchases!
- Welcome bonus: 15,000-30,000 Membership Rewards (spend $2,000 in 3 months) [Need to use browser incognito mode to check]
- Rewards: 4.5x at supermarkets, 3x at gas stations, and 1.5x on all other purchases (with 30 or more transactions per month); otherwise 3x, 2x, and 1x
- Redemption: Points can be redeemed for gift cards, cash, or travel; transferring to airline miles offers the best value
- Annual fee: $95
- Apply now>>
AMEX Cash Magnent
- This card really has no competitive edge at all, with only 1.5% cash back. Citi Double Cash is the straight-up 2% replacement.
1.5% cash back on all purchases; no annual fee
- Rewards: 1.5% cash back on all purchases
- Redemption: Redeem for cash
- Annual fee: $0
- Apply now>>
Discontinued in 2023
BofA Better Balance Rewards
On May 16, this card was forcibly converted to BofA Unlimited Cash Rewards. It’s a no-annual-fee card that effectively gives you over $100 a year in value, and it really became a sock-drawer card for long-term holding.
Wells Fargo Propel
After being discontinued, it was converted into Autograph.
Wells Fargo Propel Credit Card
3x on dining, gas, and travel; no annual fee!
- Welcome bonus: 20,000 points (spend $1,000 in three months)
- Rewards: 3x on dining; 3x on gas, rideshare, and transit; 3x on airfare, hotels, car rentals, and homestays; 1x on all other purchases
- Redemption: 10,000 points = $100
- Annual fee: $0
- Apply now>>
Discontinued in 2022
Citi Expedia Series
US Bank Radisson Rewards Premier
- Cardholders have already received letters, and this card will be forcibly converted to the US Bank Altitude Go credit card in May 2022. I’m guessing the contract between US Bank and Radisson expired and wasn’t renewed.
US Bank Radisson Premier Credit Card
40k points every year
- Welcome bonus: 50,000 points (one purchase) + 35,000 (spend $2,500 within 90 days)
- Rewards: 10x at Radisson hotels; 5x on all other purchases
- Redemption: Redeem for Radisson hotel stays, from 9k points at the lowest tier up to 70k points at the highest tier
- Annual fee: $75
- Apply now>>
Discontinued in 2021
Barclays Uber
It used to be a really good dining card, and it has finally been discontinued and converted into the Barclays View card.
4% cash back on dining, 3% on travel; no annual fee!
- Welcome bonus: $100 cash back (spend $500 in three months)
- Rewards: 4% on dining + Uber Eats, 3% on airfare and hotels, 2% on online shopping + Uber, 1% on all other purchases
- Redemption: Cash back
- Annual fee: $0
- Apply now>>
Citi Prestige
It was discontinued years ago, and now it has finally become Citi Strata Elite.
Premium travel card; $250 annual travel credit; fourth hotel night free!
- Welcome bonus: 50,000 ThankYou Points (Spend $4,000 in 3 months)
- Rewards: 5x on airfare and dining; 3x on hotels and cruises; 1x on everything else
- Redemption: 100 points = $1 cash back; transfer to airline miles or hotel points; with a Premier card, 100 points = $1.25 toward select hotels and airfare
- Annual fee: $495
- Apply now>>
Before 2020
- Barclays Arrive Plus Credit Card "Discontinued": once a legendary 2x card, but later the application quietly stopped.
- “Discontinued” US Bank FlexPerks Travel Rewards Credit Card: had a short burst of popularity thanks to the Olympics rewards
- Citi Hilton Credit Card “Discontinued”
- AMEX Platinum (Ameriprise version) Credit Card Introduction (Discontinued)
- “Expired” Citi Hilton HHonors Reserve Credit Card
- “Expired” Chase Fairmont Credit Card: made a safe landing and was converted into Chase's own card!
- US Bank Business Cash Rewards Business Credit Card: discontinued, changed to Triple Cash
- “Expired” AMEX Blue Cash (OBC): once a legendary card for racking up boosted cash back at drugstores
- Citi Dividend—A Discontinued Stand-In: Citi's last quarterly 5% card