Breaking Points: Credit Card News

ALL Accor is offering up to 7,500 bonus points on stays at participating hotels across Europe, Africa, Asia, and the Middle East. Stay 2-4 nights to earn 1,000 bonus points (1,500 for ALL Accor+ members), or stay 5 or more nights to earn 5,000 bonus points (7,500 for ALL Accor+ members). Register here by July 31, 2026 for stays between July 3 and September 13, 2026. ALL Accor has one of the most straightforward loyalty programs, with points redeeming at a fixed value of €0.02 each. That means 1,000 bonus points are worth €20, while the maximum 5,000- or 7,500-point bonuses are worth €100 and €150, respectively.

September 17, 2026 update: This same targeted offer is being sent to certain Chase cardholders, so check your offers. The current promotion period is for travel through December 14, 2026. The same stacking opportunities exist if you get the offer on either Sapphire Reserve card.

Chase is targeting some cardholders with a $100 statement credit after spending $600 or more through the Chase Travel portal between July 1 and September 30, 2026. On its own, this isn't a particularly exciting offer. Where it gets interesting is that it stacks with the $250 Edit Hotels credit and the $250 Chase Travel hotel credit offered on the Chase Sapphire Reserve personal and business cards. If you can combine those benefits on the same booking, you could receive up to $350 back on a qualifying $600+ hotel stay. If paying with a combination of Ultimate Rewards points and cash, at least $600 must be charged to the eligible Chase card to qualify. The offer is limited to a single qualifying transaction.

August 28, 2026 update: Rakuten has added the Chase Ink Business Cash to this promotion, offering the same $100 cash back or 10,000 Bilt points available with the Ink Business Unlimited. The Ink Business Cash also currently offers an elevated 100,000-point welcome bonus and has no annual fee. The same advice applies regarding two-player mode and a referral bonus for new Chase for Business customers being the better play if it's available to you.

Rakuten is offering a $100 bonus (or 10,000 Bilt points if you've selected Bilt as your earning preference) when applying for the Chase Ink Business Unlimited as a new Chase for Business customer. That stacks with the card's current elevated welcome offer of 100,000 Ultimate Rewards points, creating an outstanding return on a no-annual-fee card. If you're in two-player mode, however, the 40,000-point referral bonus is generally the better play. The catch is that the applicant must be a brand new Chase for Business customer to be eligible for that referral offer. If your Rakuten account is set to earn Amex Membership Rewards, you will not see this offer. Your Rakuten earnings must be set to cash back or Bilt points.

Some Delta Business cardholders are receiving targeted upgrade offers on their Delta Business Gold and Platinum cards. The offers include 50,000 SkyMiles after spending $8,000 in 6 months to upgrade from Gold to Platinum, or 60,000 SkyMiles after spending $12,000 in 6 months to upgrade from Platinum to Reserve. Our advice? Don't do it. The current welcome offers on both cards are significantly better: 100,000 SkyMiles on the Business Platinum and 125,000 SkyMiles on the Business Reserve. Since Delta Amex cards are subject to Amex's 7-year family restrictions, you're generally much better off applying for the higher-tier card separately and earning the full welcome bonus instead of accepting the smaller upgrade offer.

The elevated public welcome offers on all three Southwest personal credit cards have ended, but they're still available through referral links, which we've updated on each card page. Earn 90,000 points on the Rapid Rewards Priority card after spending $3,000 in the first 3 months, 85,000 points on the Premier card after spending $2,000, or 80,000 points on the Plus card after spending just $1,000. Each offer is 30,000 points higher than the current public offer.