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.

Refunds typically take about three business days to appear on your account. However, the time to get a refund on your credit card depends on the issuer and merchant policies. Getting a debit card refund may be slightly shorter – as little as one business day – because the funds are returned directly to your bank account.