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Best credit cards for 2026

OVERALL

AIRPORT LOUNGE

TRAVEL INSURANCE

NO FOREIGN EXCHANGE FEE

NO FX FEE

INSTANT APPROVAL

BALANCE TRANSFER

GROCERY

NEWCOMERS

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BMO Preferred Rate Mastercard

Get a 0% introductory interest rate on Balance Transfers for 9 months with a 0.99% transfer fee and we’ll waive the $29 annual fee for the first year.*

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Annual Fee: $29

Interest Rates: 13.99% purchase, 15.99% cash advance, 15.99% balance transfer

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