Breaking Points: Credit Card News

T-Mobile is awarding ten people 1 million Atmos Points in a current promotion. You don't even have to be a T-Mobile customer, and it takes less than a minute to enter. Simply go here, enter your phone number, and fill out the form by September 1, 2026. You must be at least 18 years old and a resident of the United States. Each grand prize winner will receive 1,000,000 Atmos Points plus a check for $8,571 to help cover taxes.

ALL Accor is targeting members who live in North America with an offer for free Silver status for 90 days. Register here (if you are targeted, log in after clicking this link and you will see the offer) and receive Silver status without doing anything else. You then have the opportunity to extend the status through December 2027 by completing just three nights at any Accor property worldwide during the 90-day promotional period. You can pay cash, use points, or a combination of both for the eligible stay(s). Silver status includes benefits like a welcome drink, late checkout, and increased points earning. Accor has a huge footprint in Asia, Europe, and South America, but a much smaller one in North America. If you have an Accor stay coming up, there's little reason not to register if you're targeted.

Amex is targeting Hilton cardholders with several different offers to earn bonus Hilton points on everyday spending through December 31, 2026. The offers vary significantly, with versions we've seen ranging from 3,500 bonus points after spending $2,000 to 5,000 points after spending $1,000 and 13,500 points after spending $4,500. Each of these offers can be triggered up to three times. Depending on your offer, that works out to an additional 1.75X to 5X Hilton points per dollar, and the bonus stacks with your card's normal earning rates. These offers can be especially useful if you're already working toward a spending-based benefit, such as the free night certificate earned after spending $15,000 in a calendar year on the Hilton Honors Surpass Card. Check the Amex Offers on each of your Hilton cards to see whether you're targeted and which version you received.

Citi is ending the grandfathered benefits that remained on Barclays AAdvantage Aviator Red and Silver cards after they were converted to Citi cards in April 2026. Starting October 25, 2026, former Aviator Silver cardholders, whose cards became the Citi AAdvantage Globe, will lose 2x miles on car rentals and hotels, the $25 daily food and beverage credit, and the $50 anniversary Wi-Fi credit. The benefit to earn up to 15,000 additional Loyalty Points will remain through the current status qualification period ending February 28, 2027. Former Aviator Red cardholders, whose cards became the Citi AAdvantage Platinum Select, will lose their $25 anniversary Wi-Fi credit on October 25. The Companion Certificate benefit will also end on both converted cards, although cardholders remain eligible to earn it one more time through their next cardmembership anniversary date. Any Companion Certificates already earned will remain valid through their original expiration dates. It's disappointing to see these benefits disappear only six months after the cards moved to Citi, but it's not surprising that Citi doesn't want to continue offering benefits from the old Barclays cards indefinitely.

Chase has added referral bonuses to the three of its cards: the Amazon Prime Visa, Amazon Visa, and Chase Freedom Rise cards. The Prime Visa and Amazon Visa cardholders can earn a $50 Amazon gift card for each approved referral, up to $500 per year. Chase Freedom Rise cardholders can earn 2,500 Ultimate Rewards points, worth $25 as cash back, for each approved referral, up to 25,000 points per year. If you have one of these cards, you can check Chase's referral page to generate your referral link. The person applying can still receive the publicly available welcome offer when applying through your link.