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

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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

17 changes · 17 APR

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

Oct 8, 2026

24 changes · 24 APR

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

Oct 4, 2026

26 changes · 26 APR

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

Oct 2, 2026

13 changes · 13 APR

  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. Show 5 more on Oct 2Show fewer
    1. APR upInstacart Credit CardChase18.24%18.49%
    2. APR upPlatinum Plus® Mastercard® Business Credit CardBank of America14.74%14.99%
    3. APR upPrime Visa Credit CardChase18.74%18.99%
    4. APR upUnited Quest CardChase19.74%19.99%
    5. APR upWorld of Hyatt Credit CardChase19.24%19.49%

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