The Points Tool You've Always Wanted

American Express is making a significant change to the personal and business Platinum Card's $300 semiannual hotel credit starting January 1, 2027. Fine Hotels + Resorts bookings will now require a minimum two-night stay to qualify for the credit, eliminating one of the benefit's biggest advantages over competing premium travel cards. Currently, cardholders can use the full $300 credit toward a single-night Fine Hotels + Resorts stay, while The Hotel Collection has always required a two-night minimum. American Express is also expanding eligible bookings to include Airbnb Luxe properties reserved through Amex Travel, although these luxury rentals can be considerably more expensive than regular Airbnb bookings. This is a big downgrade to a valuable perk on two very high annual fee cards. If you still have a 2026 hotel credit available, you can still use it for a one-night stay, and the stay can be in 2027 as long as it's booked before December 31, 2026.

October 23, 2026 update: The sale is back again, but it's also tiered again. Buy 5K-10K points to receive an 80% bonus (75¢/point), 11K-39K to receive a 90% bonus (53-61¢/point), or 40K to receive a 100% bonus (50¢/point). The offer is available through November 5, 2026. We would only recommend this for the 100% bonus and only if you have a specific redemption in mind.

September 16, 2026 update: IHG has brought back its 100% points bonus through October 5, 2026. This time, you only need to buy 5,000 points to receive the full bonus, dropping the cost to 0.5¢ per point. IHG has also temporarily increased the maximum number of points you can purchase to 300,000, although previous 2026 purchases count toward that limit.

August 18, 2026 update: This promo has been extended until September 1, 2026.

IHG is once again offering up to a 100% bonus on purchased points through August 17, 2026. This is a tiered points sale. Buy at least 5,000 points to receive an 80% bonus, 10,000 points for a 90% bonus, or 30,000 points for the full 100% bonus. When receiving the 100% bonus, you'll pay 0.5¢ per point. The offer may be targeted, so some members could see different bonus amounts or thresholds. Buying IHG points at this price can make sense if you have a specific redemption in mind, especially when stacking cardholder benefits such as fourth-night free or a 10% award rebate. IHG runs these sales frequently, so we would not recommend buying speculatively.

October 23, 2026 update: Turo card-linked offers are available from Amex, Chase, and Citi. Amex and Chase are offering $30 back after spending $150 or more, while Citi is offering $25 back after $150. The Amex and Citi offers both expire December 31, while the Chase offer expires October 31. Keep in mind that Turo operates more like a peer-to-peer car-sharing service than a traditional rental car company, so standard credit card rental car insurance usually will not apply.

August 4, 2026: Amex, Citi, and Chase are all targeting some cardholders with offers for $30 back after spending $150 or more with Turo. Turo operates more like a peer-to-peer car-sharing service than a traditional rental car company, so standard credit card rental car insurance usually will not apply. The Chase offer expires August 31, 2026, Citi’s expires September 30, and Amex’s expires December 31. If you have an eligible American Airlines card with a separate Turo credit, the Citi offer should stack with that benefit.

The Discover it Cash Back card is offering a $200 welcome Bonus when you spend $500 on purchases within the first 3 months. You can earn another $100 if you apply through a referral link, bringing the total welcome bonus to $300. The referring cardholder also receives $100, so if you're playing 2-player mode, you can earn a combined $400 in bonuses through a single referral, all for a card with no annual fee.