Pretty much every major bank in the US issues credit cards, so you don't need to deal with a second company. For most consumers, there are credit cards without

Pretty much every major bank in the US issues credit cards, so you don't need to deal with a second company. For most consumers, there are credit cards without fees (the CC companies charge fees to merchants, but unless you're dealing with a place that offers a cash discount, that doesn't affect you at all).