Breaking Points: Credit Card News

Amex has a targeted offer providing a $100 statement credit after spending $500 or more at participating Omni Hotels & Resorts properties in the U.S. and Canada. You must enroll by February 1, 2027, and complete your qualifying spending by March 1, 2027. Eligible purchases include room rates and room charges, but advance purchase and nonrefundable rates are excluded. Reservations must be made directly through Omni's U.S. website or by phone. If you're planning an Omni stay in the coming months and paying cash, this is a nice way to get up to a 20% discount on your stay. If you have the offer on multiple Amex cards, you may be able to split a larger hotel bill across those cards at checkout to trigger multiple credits. Check your Amex Offers to see if you're targeted, and make sure to enroll before making a purchase.

Wyndham Rewards has an excellent holiday promotion offering members a free one-tier elite status upgrade, although the upgrade will only last through December 31, 2026. If you have any Wyndham stays coming up before the end of the year, this is a no-brainer to register for. Members can move up one level, with the upgrade taking effect within 24 to 48 hours and including the benefits of the higher status tier. Existing Diamond members can instead claim 3,000 bonus Wyndham Rewards points, but eligibility depends on where you live. U.S. members must also have a paid Wyndham Insiders subscription, while Diamond members outside the U.S. can claim the points without one. Members who received Diamond status through a competitor status match must have completed 10 qualifying nights within 90 days of receiving their matched status to qualify for the bonus. All Wyndham credit cards provide some level of automatic elite status, making this promotion particularly appealing for cardholders who can move up another tier. No hotel stay is required to claim the upgrade or points. You can register for the free status upgrade here, or, if you're already Diamond, claim your 3,000 bonus points here.

World of Hyatt is offering 4 free nights at any Category 1–4 free night certificates after spending $5,000 in the first 3 months. That’s up from their standard offer of 30,000 points, which requires $3,000 in 3 months. The annual fee is $95.

LimitedTime Offer - Ends November 11,2026!

Earn an incredible 200,000 bonus points after spending just $3,000 within the first 3 months. This is the highest ever offer on this card. The card also comes with a 35K-point free night certificate, which you can top off with 25K additional points, plus 15 elite night credits. Marriott has a head-spinning set of rules for card and bonus eligibility, so make sure you're eligible for the card and bonus before applying. The annual fee is $95.

Chase has expanded its Sapphire Reserve Exclusive Tables program, adding 21 restaurants and removing one as of November 5, 2026. The program now includes 456 unique participating restaurants where Chase Sapphire Reserve cardholders can use their semi-annual $150 dining credits. One is good from January through June and one from July through December. With the second half of the year coming to an end, cardholders have until December 31 to use their remaining $150 credit before it resets. Remember that the only thing you need to do is go to a restaurant on the list and pay with your Chase Sapphire Reserve. You don't need to make a reservation through OpenTable to receive the credit. Since restaurants can be added or removed without much warning, it's worth checking the current list before dining. Chase has confirmed that reservations made before a restaurant was removed will remain eligible for the credit for up to 60 days after its removal. Our friends over at Frequent Miler keep an updated list of participating restaurants here.