Premium cards boomed in 2025. 2026 will bring a K-shaped market, more experiential perks, growing mid-tier cards and steadier rewards despite fee pressure.

U.S. Senator John Fetterman has introduced the Credit Card Fairness Act, which would put an $8 cap on credit card late fees. Fetterman’s bill comes with the backing of senators Corey Booker (D-NJ) and Tammy Baldwin (D-WI).

Last year my two main credit cards earned me over $1,380 in rewards and cash back. Here's the breakdown and how to build your own winning set-up for 2026.