Breaking Points: Credit Card News

Costco is now available on DoorDash, and also has promo codes offering 20% off a Costco DoorDash order through November 1, 2026. You must enter the code COSTCO26, and the maximum discount is $50. If you are a Chase cardholder with DoorDash credits, this gives a good opportunity to stack those credits on top of this discount. Several Chase cards include monthly or quarterly credits for non-restaurant DoorDash orders, while the Chase Sapphire Reserve offers two $10 non-restaurant credits. Starting October 1, Sapphire Reserve cardholders will also receive a $15 monthly DoorDash credit that can also be on any eligible DoorDash order. If you've struggled to use those credits, the current discount would be a good use of these and make them easier to redeem.

Rakuten is offering an extra $150 when you apply for the Citi Strata Premier Card through Rakuten and are approved. If you have your Rakuten account set to earn Bilt points and have Bilt Silver status or higher, you'll earn at a 1:1 rate, turning that $150 into 15,000 Bilt points. If your Rakuten account is set to earn Amex Membership Rewards points, then you won't see this offer, and members who have their accounts set to cash back can earn the $150 instead. The Citi Strata Premier currently offers its standard 60,000 ThankYou Point signup bonus after spending $4,000 in the first three months, so this can effectively add 15,000 Bilt points to that offer. Citi's last elevated Strata Premier offer was 75,000 points, but that ended in early 2025, while the all-time high of 80,000 points dates back to 2023. With Citi recently adding a lifetime signup bonus restriction to the Strata Premier, we'd normally prefer to wait for an elevated offer before using your one opportunity to earn the bonus. But if you value Bilt points and don't want to wait for an elevated Citi offer that may or may not arrive soon, 60,000 ThankYou points plus 15,000 Bilt points makes the current offer much more competitive.

Bilt Rewards is offering two transfer bonuses on October 1, 2026. First, members can get up to a 200% bonus when transferring to Hilton Honors. The standard transfer ratio is 1:1, so for every 1,000 Bilt points transferred, Blue members will receive 1,750 Hilton points, Silver 2,000, Gold 2,500, Platinum 2,750, and Platinum members who opt into the buy-up 3,000 Hilton points. The bonus is capped at 100,000 Bilt points transferred.

Bilt is also offering up to a 125% transfer bonus to its newest transfer partner, Amtrak Guest Rewards. The standard transfer ratio is 2:1, so for every 1,000 Bilt points transferred, Blue members will receive 625 Amtrak points, Silver 750, Gold 875, Platinum 1,000, and Platinum members who opt into the buy-up 1,125 Amtrak points. This bonus is also capped at 100,000 Bilt points transferred and is available only on October 1, 2026.

Wyndham has launched a new promotion offering 4X points on qualifying stays completed by January 19, 2027. You must register and then book your stay directly with Wyndham by January 15. Wyndham members normally earn 10 base points per dollar at most properties, so this promotion means you'll earn 40 points per dollar. Regular members can earn up to 15,000 bonus points from the promotion. Wyndham credit cardholders and Rewards Insiders members can earn up to 20,000 bonus points, while Wyndham Rewards Earner Premier cardholders can earn up to 25,000 bonus points when paying with the card. The additional cardholder or Insider bonus is awarded only once, and you can't stack the cardholder and Insider bonuses. If you have Wyndham stays planned through January 19, make sure you register before booking.

Southwest Rapid Rewards Premier Business is offering 80,000 miles after spending $3,000 in 3 months. That’s up 20,000 miles over their standard offer of 60,000 miles with the same spending requirement. The annual fee is $149. Offer expires 10/26/26.