RateHerald

Credit card fees, APRs and welcome offers

What changed

Changes to cards' annual fees, APRs and welcome offers, newest first.

A change is listed once both the old and the new value held for 3 days, so a misreading never shows up as a change.

November 2026

45changes confirmed

34

worse for you

26 APRs up8 offers smaller

11

better for you

2 APRs down9 offers bigger

Every change in November
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Nov 1, 2026

45 changes · 28 APR · 17 welcome offers

  1. Bonus downAmtrak Guest Rewards® Mastercard®FNBO20,00015,000
  2. Bonus upAtmos™ Rewards Ascent Visa Signature® Alaska Airlines Credit CardBank of America50,00070,000
  3. Bonus upAtmos™ Rewards Summit Visa Infinite® Credit CardBank of America70,00080,000
  4. Bonus upBass Pro Shops CLUB Credit CardCapital One6075
  5. Bonus upCabela's CLUB Credit CardCapital One6075
  6. Bonus downChoice Privileges MastercardWells Fargo60,00040,000
  7. Bonus upCiti® / AAdvantage Business™ World Elite Mastercard®Citi65,00075,000
  8. Bonus downCiti® / AAdvantage® Executive World Legend Mastercard®Citi125,00080,000
  9. Show 37 more on Nov 1Show fewer
    1. Bonus downCiti® / AAdvantage® Platinum Select® World Elite Mastercard®Citi80,00050,000
    2. Bonus upScheels® Visa® CardFNBO751,500
    3. Bonus upSouthwest Rapid Rewards Plus Credit CardChase50,00080,000
    4. Bonus downSouthwest Rapid Rewards Premier Business Credit CardChase80,00060,000
    5. Bonus upSouthwest Rapid Rewards Premier Credit CardChase55,00085,000
    6. Bonus upSouthwest Rapid Rewards Priority Credit CardChase60,00090,000
    7. Bonus downWyndham Rewards Earner® Business CardBarclays100,00045,000
    8. Bonus downWyndham Rewards Earner® CardBarclays75,00045,000
    9. Bonus downWyndham Rewards Earner® Plus CardBarclays100,00090,000
    10. APR upApple CardApple17.49%17.74%
    11. APR upBusiness Cash Back Credit CardBECU16.99%17.24%
    12. APR upBusiness Low Rate Credit CardBECU14.49%14.74%
    13. APR upCabela's CLUB Credit CardCapital One9.99%19.74%
    14. APR upCash Rewards Visa® Credit CardsTruist18.74%18.99%
    15. APR upDiscover it Cash Back Credit CardDiscover17.74%18.74%
    16. APR upM&T Business Credit CardM&T Bank13.74%13.99%
    17. APR upM&T Business Rewards Credit CardM&T Bank16.74%16.99%
    18. APR upM&T Visa Signature Credit CardM&T Bank17.74%17.99%
    19. APR downM&T Visa® Credit CardM&T Bank14.80%13.99%
    20. APR upPottery Barn Key Rewards VisaCapital One29.24%29.49%
    21. APR upPreferred Cash Rewards Visa Signature® Credit CardUSAA15.40%15.65%
    22. APR downQuicksilver Cash Back Rewards CardCapital One29.49%18.74%
    23. APR upREI Co-op Mastercard Credit CardCapital One17.49%17.74%
    24. APR upSecured Credit CardM&T Bank18.74%20.99%
    25. APR upSecured rewards Visa® credit cardTruist26.74%26.99%
    26. APR upTD Bank First Class Credit CardTD Bank16.74%16.99%
    27. APR upTD Business Solutions Credit Card with Unlimited Cash BackTD Bank17.49%17.74%
    28. APR upTD Cash Credit CardTD Bank18.49%18.74%
    29. APR upTD Cash Secured Credit CardTD Bank26.49%26.74%
    30. APR upTD Double Up Credit CardTD Bank18.49%18.74%
    31. APR upTD FlexPay Credit CardTD Bank17.49%17.74%
    32. APR upThe Key Rewards VisaCapital One29.24%29.49%
    33. APR upTruist Enjoy BeyondTruist18.74%18.99%
    34. APR upTruist Future Visa® Credit CardTruist16.74%16.99%
    35. APR upUSAA Eagle Navigator Visa Signature Credit CardUSAA18.40%18.65%
    36. APR upWest Elm Key Rewards VisaCapital One29.24%29.49%
    37. APR upWilliams Sonoma Key Rewards VisaCapital One29.24%29.49%

Oct 11, 2026

5 changes · 5 APR

  1. APR upAmazon Visa Credit CardChase18.74%18.99%
  2. APR upCash Rewards Visa Credit CardPNC18.49%18.74%
  3. APR upChase Ink Business Preferred Credit CardChase17.74%17.99%
  4. APR upIberia Credit CardChase19.24%19.49%
  5. APR upM&T Visa® Credit CardM&T Bank13.74%14.80%

Oct 10, 2026

19 changes · 17 APR · 2 welcome offers

  1. Bonus upCash Rewards Credit CardRegions$100$200
  2. Bonus downVisa ClassicTrugrocer Federal Credit Union10,000100
  3. APR upAer Lingus Credit CardChase19.24%19.49%
  4. APR upAmazonChase18.74%18.99%
  5. APR upChase Freedom Unlimited Credit CardChase18.24%18.49%
  6. APR upDisney Card from ChaseChase18.24%18.49%
  7. APR upIHG One Rewards Premier Credit CardChase19.24%19.49%
  8. APR upInk Business Cash Credit CardChase16.74%16.99%
  9. Show 11 more on Oct 10Show fewer
    1. APR upInk Business Unlimited Credit CardChase16.74%16.99%
    2. APR upMarriott Bonvoy Bountiful Travel Credit CardChase19.24%19.49%
    3. APR upSouthwest Rapid Rewards Performance Business Credit CardChase19.24%19.49%
    4. APR upSouthwest Rapid Rewards Plus Credit CardChase19.24%19.49%
    5. APR upSouthwest Rapid Rewards Premier Credit CardChase19.24%19.49%
    6. APR upSouthwest Rapid Rewards Priority Credit CardChase19.24%19.49%
    7. APR upUnited Business Credit CardChase19.74%19.99%
    8. APR upUnited Club Business Credit CardChase19.74%19.99%
    9. APR upUnited Club Credit CardChase19.74%19.99%
    10. APR upUnited Explorer Credit CardChase19.74%19.99%
    11. APR upUnited Gateway CardChase19.74%19.99%

Oct 8, 2026

25 changes · 24 APR · 1 welcome offer

  1. Bonus downEmirates Skywards Premium World Elite Mastercard®Barclays70,00050,000
  2. APR upCapital One Platinum Secured credit cardCapital One28.99%29.24%
  3. APR upCapital One Spark Cash CardCapital One24.49%24.74%
  4. APR upCapital One Venture BusinessCapital One24.49%24.74%
  5. APR upCapital One Venture X Rewards Credit CardCapital One19.49%19.74%
  6. APR upCapital One VentureOne BusinessCapital One16.74%16.99%
  7. APR upDiscover it Student Cash Back CardDiscover16.49%16.74%
  8. APR upDiscover it Student Chrome Credit CardDiscover16.49%16.74%
  9. Show 17 more on Oct 8Show fewer
    1. APR upFifth Third Secured Credit CardFifth Third27.49%27.74%
    2. APR downNHL Discover CardDiscover18.49%17.74%
    3. APR upPlatinum Credit CardCapital One28.99%29.24%
    4. APR upQuicksilver Rewards for Good CreditCapital One28.99%29.24%
    5. APR upQuicksilver Secured RewardsCapital One28.99%29.24%
    6. APR upQuicksilver StudentCapital One18.49%18.74%
    7. APR upQuicksilverOne RewardsCapital One28.99%29.24%
    8. APR upSavor RewardsCapital One18.49%18.74%
    9. APR upSavor Rewards for Good CreditCapital One28.99%29.24%
    10. APR upSavor Student Credit CardCapital One18.49%18.74%
    11. APR upSavorOne RewardsCapital One28.99%29.24%
    12. APR upSpark 1.5% Cash SelectCapital One16.74%16.99%
    13. APR upSpark ClassicCapital One28.99%29.24%
    14. APR upU.S. Bank Smartly™ Visa Cash Back Credit CardUS Bank17.74%18.49%
    15. APR upVenture Rewards Travel CardCapital One19.49%19.74%
    16. APR upVentureOne RewardsCapital One18.49%18.74%
    17. APR upVentureOne Rewards for Good CreditCapital One28.99%29.24%

Oct 4, 2026

29 changes · 26 APR · 2 welcome offers · 1 annual fee

  1. Fee downBank of America® Premium Rewards® Credit CardBank of America$550$95
  2. Bonus upBank of America® Travel Rewards Credit Card for StudentsBank of America20,00025,000
  3. Bonus upBank of America® Unlimited Cash Rewards Credit CardBank of America200$250
  4. APR downAllways Rewards Visa Credit CardBank of America20.24%19.74%
  5. APR upAtmos™ Rewards Ascent Visa Signature® Alaska Airlines Credit CardBank of America19.49%19.74%
  6. APR upAtmos™ Rewards Summit Visa Infinite® Credit CardBank of America19.49%19.74%
  7. APR downBank of America® Customized Cash Rewards Credit Card for StudentsBank of America18.24%17.74%
  8. APR upBank of America® Premium Rewards® Credit CardBank of America17.74%19.74%
  9. Show 21 more on Oct 4Show fewer
    1. APR upBank of America® Premium Rewards® Elite Credit CardBank of America18.24%19.74%
    2. APR downBank of America® Secured Travel Rewards Credit CardBank of America29.24%27.74%
    3. APR downBank of America® Travel Rewards Credit CardBank of America18.24%17.74%
    4. APR upBank of America® Travel Rewards Credit Card for StudentsBank of America16.24%17.74%
    5. APR downBank of America® Unlimited Cash Rewards Credit CardBank of America18.24%17.74%
    6. APR downBank of America® Unlimited Cash Rewards Credit Card for StudentsBank of America18.24%17.74%
    7. APR downBank of America® Unlimited Cash Rewards Secured Credit CardBank of America28.24%27.74%
    8. APR upBritish Airways Credit CardChase19.24%19.49%
    9. APR downCash Rewards Secured Credit Card from Bank of AmericaBank of America28.24%27.74%
    10. APR downCredit One Bank American Express® for Rebuilding CreditCredit One29.74%28.74%
    11. APR upCredit One Bank Omni Rewards American Express® CardCredit One29.74%29.99%
    12. APR downCredit One Bank Platinum Rewards Visa® CardCredit One29.74%28.74%
    13. APR downCredit One Bank Platinum Rewards Visa® with No Annual FeeCredit One29.74%28.74%
    14. APR downCredit One Bank Platinum Visa® for Rebuilding CreditCredit One29.74%28.74%
    15. APR downCredit One Bank Platinum X5 Visa Signature® CardCredit One29.74%28.74%
    16. APR downCredit One Bank Premier American Express® CardCredit One29.74%28.74%
    17. APR downCredit One Bank Secured CardCredit One29.74%28.74%
    18. APR downCredit One Bank Vegas Golden Knights Credit CardCredit One29.74%28.74%
    19. APR downCredit One Bank Wander® American Express® CardCredit One29.74%28.74%
    20. APR upRoyal ONE™ Visa Signature® Credit CardBank of America17.49%17.74%
    21. APR downSusan G. Komen® Customized Cash Rewards Credit Card - Pink Ribbon Credit CardBank of America18.24%17.74%

Oct 2, 2026

21 changes · 13 APR · 8 welcome offers

  1. Bonus upDisney Card from ChaseChase$100$150
  2. Bonus upIHG One Rewards Premier Credit CardChase140,000180,000
  3. Bonus downUnited Business Credit CardChase110,000100,000
  4. Bonus downUnited Club Business Credit CardChase110,00090,000
  5. Bonus upUnited Club Credit CardChase90,000100,000
  6. Bonus upUnited Explorer Credit CardChase60,00070,000
  7. Bonus upUnited Gateway CardChase40,00050,000
  8. Bonus upUnited Quest CardChase70,00090,000
  9. Show 13 more on Oct 2Show fewer
    1. APR upBusiness Advantage Cash Rewards Credit Card with 3% Choice CategoryBank of America16.74%16.99%
    2. APR upBusiness Advantage Travel Rewards World Mastercard®Bank of America16.74%16.99%
    3. APR upBusiness Advantage Unlimited Cash Rewards Mastercard® Credit CardBank of America16.74%16.99%
    4. APR upBusiness Advantage Unlimited Cash Rewards Secured Business Credit CardBank of America26.74%26.99%
    5. APR upChase Slate Credit CardChase18.24%18.49%
    6. APR upChase Slate Edge Credit CardChase28.99%29.24%
    7. APR upDisney Inspire Card from ChaseChase18.24%18.49%
    8. APR upInk Business Premier(R) Credit CardChase17.74%17.99%
    9. APR upInstacart Credit CardChase18.24%18.49%
    10. APR upPlatinum Plus® Mastercard® Business Credit CardBank of America14.74%14.99%
    11. APR upPrime Visa Credit CardChase18.74%18.99%
    12. APR upUnited Quest CardChase19.74%19.99%
    13. APR upWorld of Hyatt Credit CardChase19.24%19.49%

Within a day: annual fees first, then welcome offers, then APRs.