Breaking Points: Credit Card News

Rove Miles is offering a 50% transfer bonus to Japan Airlines Mileage Bank. The standard transfer ratio is 1:1, so with the bonus, you’ll receive 1,500 JAL miles for every 1,000 Rove Miles transferred. Offer expires October 31, 2026.

Chase is targeting some Sapphire Preferred cardholders with an offer to earn 75,000 Ultimate Rewards points after upgrading to the Sapphire Reserve and spending $4,000 by December 15, 2026. You must upgrade by December 1. There is no direct link, so check your email to see if you're targeted. This is a good upgrade offer, but only if you've already had the card and otherwise wouldn't be eligible for the signup bonus due to 5/24. There's another reason Sapphire Preferred cardholders may want to consider upgrading as of today: the Preferred now transfers Chase points to World of Hyatt at a 4:3 ratio, while the Sapphire Reserve retains a 1:1 transfer ratio. That means a Hyatt stay requiring 30,000 points would cost 40,000 Chase points transferred from the Preferred versus just 30,000 from the Reserve. If Hyatt is one of your primary uses for Chase points, retaining that 1:1 transfer ratio could make upgrading more valuable beyond the 75,000-point bonus.

The American Airlines Citi AAdvantage Globe is now offering 90,000 points after spending $5,000 in 4 months. That’s up 30,000 miles over the previous offer of 60,000 miles, which requires $4,000 in 3 months. The annual fee is $350.

We briefly mentioned in another Breaking Point that Atmos will introduce a new debit card in 2027, and Alaska has now opened an early access list for it. If you register your interest by October 31, 2026, Alaska will send you a code for 20% off eligible travel from January 6 through March 10, 2027. You must book by December 7, 2026, and provide a valid Atmos Rewards account number when registering. The upcoming debit card will earn Atmos points on everyday purchases, offer rewards tied to savings, and include an annual flight discount, although Alaska has not yet released the full earning rates, fee structure, or complete benefits. Registering for early access does not open an account or guarantee eligibility for the debit card, and there is no requirement to apply for or open the card to receive the 20% discount code.

World of Hyatt has launched a new promotion offering 3,000 bonus points for every three eligible nights completed through December 15, 2026. This is not targeted, so any World of Hyatt member can register here before your stay. Only nights completed after registration count. Both paid and award nights qualify, and the promotion is valid at participating Hyatt hotels worldwide, along with participating Mr & Mrs Smith hotels, the Venetian Resort, and Homes & Hideaways by World of Hyatt. You effectively earn an extra 1,000 Hyatt points per night for every three qualifying nights, up to a maximum of 36,000 bonus points, which woudl require staying 36 nights. Registration and qualifying nights run through December 15.