Find out which credit cards shine in 2026 and how to avoid rising fees, APR surprises, and buy now, pay later (BNPL) traps.

How can you change your spending to better match your values? How do you choose the right credit card in 2026 as perks shift, fees rise, and “buy now, pay later” spreads? Hosts Sean Pyles and Elizabeth Ayoola discuss values-based spending and the credit card landscape to help you make purchases that fit your priorities. They begin with a discussion of aligning money with values, with tips and tricks on auditing your statements for “idle” spending, shopping around for companies and banks that match your priorities, and building accountability so your goals stick.

Then, credit card expert Caitlin Mims joins Elizabeth to discuss credit cards in 2026. They cover buy now, pay later and card-based installment plans, what to watch as card perks and annual fees change, and how NerdWallet chose its Best-of Awards winners.

Our Nerds researched 280 credit cards, narrowing down to just one winner per category: https://www.nerdwallet.com/l/awards-credit-cards-2026?utm_source=sm&utm_medium=podcast&utm_campaign=cm_organic_011226_podcast_sm_desc_allepisodes_best-of-credit-cards

Card benefits, terms and fees can change. For the most up-to-date information about cards mentioned in this episode, read our reviews:

Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header

To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com.

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