Credit Cards · Tools · Glossary · P-terms · Plain vanilla

Credit Card Glossary: Terms and Definitions

Confused by credit card terms?'s glossary of credit card definitions will help. From account holder to Regulation Z, we have defined the most-common and most-confusing credit card terms.

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Plain vanilla

A "plain-vanilla" credit card is the type the industry used to offer commonly -- a simple card with no features. The industry evolved to offer multiple cards that offered many benefits, but also confused many consumers. Whether a return to "plain vanilla" cards was desirable became part of the debate over the Credit CARD Act of 2009.