RateHerald

What changed

Credit card changes in November 2026

45 changes to cards' annual fees, APRs and welcome offers, confirmed in November 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.

November 2026

45changes confirmed

34

worse for you

26 APRs up8 offers smaller

11

better for you

2 APRs down9 offers bigger

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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%

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