While 2024 gave many credit cardholders the opportunity to earn incredible rewards or cash in for big travel plans, they also faced rising debt balances and an ever-changing interest rate environment. As we approach 2025, there’s still uncertainty about what the future holds — new policies could affect the current state of card fees and rewards programs, interest rates will continue to change, and the value of benefits is constantly evolving. Here are a few trends and predictions we’re looking for in the ...