Breaking Points: Credit Card News

Chase is adding two more $250 The Edit credits to the Sapphire Reserve for Business starting January 1, 2027, increasing the card's annual benefit from two credits to four, or up to $1,000 per calendar year. Each credit still requires a prepaid, minimum two-night stay booked through The Edit, with no requirement that the stay itself occur in 2027 as long as it is booked by December 31, 2027. Eligible stays also include daily breakfast for two, a $100 property credit, and space-available room upgrades, early check-in, and late checkout. If you book consecutive stays at the same property, you can use multiple $250 credits and still receive breakfast each day, but the stays are treated as one reservation for the $100 property credit, so you'll only receive that benefit once. This is a substantial improvement to a card with a $795 annual fee, with The Edit credits alone now worth up to $1,000 per year.

If you have a trip planned before November 2, IHG is offering 15% off award stays at properties worldwide for IHG credit cardholders and Platinum and Diamond elite members. Book by September 21, 2026, for stays through November 2, 2026. If you're planning a shorter stay during the promotion period, this can be a good opportunity to save some points. More importantly, if you already have an eligible award reservation, check the current price and rebook if the discounted rate is lower.

Chase Ultimate Rewards is offering a 70% transfer bonus to Marriott Bonvoy. The standard transfer ratio is 1:1, so with the bonus, you’ll receive 1,700 Marriott Bonvoy points for every 1,000 Chase Ultimate Rewards points transferred. Offer expires October 15, 2026. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.

Singapore Airlines has released its latest Spontaneous Escapes, offering 30% off Saver award rates on select routes for October 2026 travel. Unfortunately, there are only two discounted fares involving North America this month: Singapore to Seattle for 30,800 miles in economy and Singapore to New York for 59,150 miles in premium economy. Book by September 30, 2026 for travel between October 1 and October 31. Keep in mind that Spontaneous Escapes awards cannot be changed or canceled, so confirm availability and your travel plans before transferring points or booking.

Wyndham's new award pricing is now live, and thanks to an analysis by Upgraded Points, we have a much better idea of how the changes affect its 8,000+ hotels. About 34% of Wyndham properties increased in price, 22% got cheaper, and 44% stayed the same. The biggest increase came to the old 15,000-point tier, with more than 2,000 hotels doubling in price to 30,000 points. Another 62 hotels increased from 30,000 to the new 45,000-point tier, and two jumped directly from 15,000 to 45,000 points. While this is certainly still a devaluation, there is some good news as well. A total of 1,337 hotels dropped from 7,500 to the new low 5,000-point tier, another 440 dropped from 15,000 to 5,000, and 58 former 30,000-point properties dropped to either 15,000 or 5,000 points. Existing reservations are protected from increases, while Wyndham says members with existing reservations at properties that became cheaper will automatically receive a refund of the points difference. If you hold a Wyndham credit card, you receive discounts ranging from 10%-25% off the points price. The Wyndham Rewards Earner Premier card offers the full 25% discount, reducing award nights to as little as 3,750 points at the low end and 33,750 points at the new 45,000-point tier.