Credit Card Trends to Watch in 2026: Interest Rates, Annual Fees, and Benefits
ByAinvest
Friday, Dec 19, 2025 8:26 pm ET1min read
AXP--
Credit cardholders can expect rising debt balances and lingering high interest rates in 2026. Interest rates have decreased slightly, but average credit card interest rates remain above 21%. Annual fees have increased on premium rewards cards, with the American Express Platinum Card increasing its fee to $895 and the Chase Sapphire Reserve increasing its fee to $795.
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