What is the best travel credit card in 2026?

Based on 27,400+ real user reviews, the Chase Sapphire Preferred is the most popular travel card in 2026 with a 4.2/5 rating. Users love the flexible transfer partners and travel insurance, though some wish it had lounge access.

What is the best no-annual-fee credit card in 2026?

The Citi Double Cash Card (2% on everything) and Discover it Cash Back (5% rotating categories with first-year match) are top-rated no-fee options in 2026 based on user reviews.

What is the best credit card for dining in 2026?

The American Express Gold Card offers 4x on dining and groceries, rated 4.1/5 by 8,932 cardholders in 2026. Users love the rewards but note the $250 annual fee requires using the credits.

How does RegularFolkFinance research credit cards?

We analyze real user discussions from Reddit (r/churning, r/CreditCards, r/personalfinance), Credit Karma reviews, and other review sites. We look for patterns in what people love, hate, and wish they knew before applying.

Best Credit Cards for January 2026

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