RateHerald

What changed

Credit card changes in October 2026

99 changes to cards' annual fees, APRs and welcome offers, confirmed in October 2026.

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.

October 2026

99changes confirmed

70

worse for you

66 APRs up4 offers smaller

29

better for you

19 APRs down9 offers bigger1 fee cut

Atom feed

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.