NerdWallet's Smart Money Podcast Credit Cards in 2026: Big Card Changes Are Rolling Out — Here’s What to Re-evaluate Now
Jan 12, 2026
Caitlin Mims, a credit card reporter, joins the discussion to unpack the shifting landscape of credit cards in 2026. She highlights the risks of rising fees and the growing prevalence of buy now, pay later options. Valuable tips for aligning spending with personal values are shared, along with strategies to manage credit card debt. Caitlin also reveals the winners of NerdWallet's Best-of Awards, offering insights on the most effective cards available as 2026 approaches. Her concluding advice encourages consumers to select cards that truly fit their financial habits.
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Audit Spending To Match Your Values
- Audit your statements to find idle spending and redirect money to what matters.
- Shop alternatives and pick providers that align with your values to spend intentionally.
Switching Services For Values
- Sean switched from Spotify to Tidal because Tidal pays artists more and better matched his values.
- He also moved savings to a bank with stronger eco-friendly commitments.
Use Babysitting Co-ops To Save On Childcare
- Consider forming or joining a babysitting co-op to cut childcare costs and build community.
- Vet participants carefully to ensure safety before swapping childcare.