The Points Tool You've Always Wanted

November 3 Update: When these elevated offers first launched, all referral links were still showing the standard offers. Referral links now show these elevated offers as well, so if you can refer a friend or family member or know someone to refer you, make sure you use a referral link.

Chase has launched elevated public welcome offers on all three Southwest personal credit cards, and the timing creates one final opportunity to earn the Companion Pass through 2027 using these bonuses. The Southwest Rapid Rewards Plus Card is offering 80,000 points after spending $1,000 in 3 months, up from its standard offer of 50,000 points with the same spending requirement. The annual fee is $99. The Southwest Rapid Rewards Premier Card is offering 85,000 points after spending $2,000 in 3 months, up from its standard offer of 55,000 points. The annual fee is $149. The Southwest Rapid Rewards Priority Card is offering 90,000 points after spending $3,000 in 3 months, up from its standard offer of 60,000 points. The annual fee is $229. All three offers expire December 2, 2026, which is also the final day you must be approved for one of these cards for its welcome bonus to count toward earning the Companion Pass through 2027. You'll still need to pair one of these personal cards with a Southwest business card welcome bonus to reach the required 135,000 qualifying points.

Choice Privileges has launched another points sale, this time offering up to a 40% bonus on purchased points through November 26, 2026. Purchasing 6,000 to 9,000 points earns a 30% bonus, 10,000 to 13,000 points earns a 35% bonus, and 14,000 or more points earns the full 40% bonus. At the highest tier, you can buy points for approximately 0.74¢ each. We value Choice points at around 0.7¢ each, and while recent promotions allowed members to buy points for as little as 0.57¢ each. It could still make sense if you have a specific redemption in mind, We don't generally recommend buying points speculatively, especially since Choice runs these promotions regularly throughout the year. Keep in mind that some members, particularly Choice credit cardholders, may receive different targeted pricing.

American Express is changing how Pay Over Time works on eligible cards that don't have a preset spending limit. Starting February 1, 2027, Amex will automatically activate Pay Over Time on accounts that have the feature, allowing cardholders to carry a balance and pay interest rather than paying their full statement balance each month. While this adds payment flexibility, it could also eliminate an opportunity to earn bonus Membership Rewards points. Amex has periodically targeted cardholders with offers of 10,000 points or more simply for activating Pay Over Time. With the feature automatically enabled, those offers may become a thing of the past, but that's just speculation on our part. It doesn't appear that cardholders will still be able to turn Pay Over Time off after the change, but you can continue paying your balance in full each month to avoid interest charges. We'll update if any new information is announced.

A new targeted Amex Offer provides a $160 statement credit after spending $800 or more at participating JW Marriott properties in the U.S., Canada, Mexico, and the Caribbean through November 30, 2026. The spending requirement can be met across multiple purchases, and eligible spending includes room rates and room charges. This is a good opportunity if you're planning a JW Marriott stay this month or can book a prepaid rate that is charged before the end of the month. The offer is valid at participating properties only, and bookings must be made directly through JW Marriott. Check your Amex Offers to see if you're targeted, and make sure to enroll before making a purchase.