If your credit cards are adding up, taking time to review what you keep and what you cut can save you money and maximize rewards.

To the consumer, there is no difference between a credit card operating on a Visa compared to any other payment network – for example Mastercard and American Express. All of these cards are accepted by retailers all around the world. Visa may use a slightly different exchange rate for overseas purchases but it’s unlikely to be noticeable.

Brex reports that U.S. businesses can deduct credit card interest on legitimate expenses, unlike personal card interest, enhancing tax savings.

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.

A credit card for international travel is designed to help you spend cost-efficiently when you are abroad. That’s because, unlike a standard credit card (or even debit card), you won’t be hit by fees every time you use it. And these are fees that can otherwise soon mount up.

Opening a new credit card in January could save you hundreds. Here's how to use your purchases to earn rewards or avoid interest in 2026.