January 1, 2026
Moments & Milestones

How to choose the right credit card for you in 2026

Image of a variety of Everwise credit and debit cards in an acrylic desktop display

Choosing a credit card can feel overwhelming. With so many options available, it’s hard to know which one is the right fit for your financial goals. At Everwise Credit Union, we want to make it simple. We offer credit cards designed for how you prefer to shop: earn points as you spend, or get an extra-low rate.

Why choose a credit card from a credit union? 

Credit unions like Everwise often provide better terms than big banks. Here’s why you might consider a credit union for your next card: 

  • No annual fees: Keep more of your money. 
  • No application fees: Getting started is cost-free. 
  • Member-focused: As a member, you're an owner. That means we focus on what's best for you. 

Which type of credit card is best for you? 

The best credit card depends on your spending habits and financial situation. Do you want to save on interest, or do you prefer earning rewards on your purchases? 

For the savvy saver: The Visa® Platinum Card 

If you plan to carry a balance from month to month or want to consolidate debt from a high-interest card, the Everwise Visa® Platinum card is an excellent choice. It’s designed to help you save money with our lowest interest rates. 

Key features for 2026: 

  • Introductory rate: For the first six months, you pay no interest on purchases and balance transfers.
  • Competitive ongoing rates: After the intro period, enjoy rates from 10.75% to 20.75% APR¹, based on your creditworthiness. 
  • No foreign transaction fees²: A great perk for international travel. 
  • Roadside Dispatch®: Travel with confidence knowing you have access to roadside assistance.

This card is ideal for anyone looking to manage their finances wisely and minimize interest charges. 

For the rewards enthusiast: The Visa® Signature Rewards Card 

If you love getting something back for your spending, the Everwise Visa® Signature Rewards card is for you. You’ll earn points on every purchase, which you can redeem for cash back, travel, merchandise, or gift cards. 

Key features for 2026: 

  • Earn 1.5 points per dollar: Your everyday spending quickly turns into valuable rewards. 
  • Introductory rate and competitive ongoing ratesYou also get a six-month interest-free period on purchases and balance transfers. After the intro period, enjoy rates from 14.75% to 18.75% APR¹, based on your creditworthiness.
  • Personalized assistance: The Visa® Concierge Service³ can help with travel plans and reservations. 
  • Luxury travel perks: Access exclusive benefits at hotels worldwide with the Visa® Luxury Hotel Collection. 
  • Extended warranty protection: Get extra coverage on your purchases, even after the manufacturer's warranty ends. 

This card is perfect for frequent travelers or anyone who uses a credit card for most of their daily expenses. 

Everwise credit cards vs. the competition 

How do our cards stack up against major competitors in 2026? Here's a quick comparison: 

FeaturesEverwise Visa® PlatinumCapital One Platinum Card⁴Everwise Visa® Signature RewardsChase Sapphire Preferred® Card5
Annual Fee$0$0$0$95
Introductory APR0.00% for 6 monthsNot offered0.00% for 6 monthsNot offered
Regular APR10.75% - 20.75%28.99% (Variable)14.75% - 18.75%19.24% - 27.49% (Variable)
RewardsNoneNone1.5 points per $11 to 5 points per $1 on select categories

*Rates and competitor details are based on information available as of January 2026 and are subject to change. Please verify current rates and terms.  

Which card is right for you?

Find your perfect credit card

Ready to find the credit card that empowers your financial future? At Everwise, we’re here to help you make the right choice. Our team can answer your questions and guide you toward the card that best fits your lifestyle.

Image of a person's hand holding an Everwise card getting ready to hand it over the counter to a branch teller

The information provided is for educational purposes only and doesn’t constitute financial, tax, legal, or accounting advice. It is to be considered as general information, not recommendations. Please consult with an attorney, financial or tax professional for guidance.

Subject to membership eligibility requirements and credit approval. All credit union programs, rates, terms and conditions are subject to change without notice.

1 APR = Annual Percentage Rate. Rates accurate as of 1/1/2026. 0.00% Intro APR on purchases and balance transfers from the date the account is opened on the Platinum and Signature cards. After that your variable APR for purchases and balance transfers range from 10.75% to 20.75% based on your creditworthiness and the approved card. APR varies with the market.

2 Exchange rates may apply.

3 The purchase of goods or services from a merchant in connection with your use of Visa Concierge, including any reservation or booking completed by Visa at your request, are solely between you and the respective merchant and Visa is not a party to the purchase.

4 Comparison data from https://www.capitalone.com/credit-cards/platinum/ accurate as of 1/1/2026.

5 Comparison data from https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61248.html accurate as of 1/1/2026. 

Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.