Breaking Points: Credit Card News

Bilt Rewards is offering two transfer bonuses on October 1, 2026. First, members can get up to a 200% bonus when transferring to Hilton Honors. The standard transfer ratio is 1:1, so for every 1,000 Bilt points transferred, Blue members will receive 1,750 Hilton points, Silver 2,000, Gold 2,500, Platinum 2,750, and Platinum members who opt into the buy-up 3,000 Hilton points. The bonus is capped at 100,000 Bilt points transferred.

Bilt is also offering up to a 125% transfer bonus to its newest transfer partner, Amtrak Guest Rewards. The standard transfer ratio is 2:1, so for every 1,000 Bilt points transferred, Blue members will receive 625 Amtrak points, Silver 750, Gold 875, Platinum 1,000, and Platinum members who opt into the buy-up 1,125 Amtrak points. This bonus is also capped at 100,000 Bilt points transferred and is available only on October 1, 2026.

Wyndham has launched a new promotion offering 4X points on qualifying stays completed by January 19, 2027. You must register and then book your stay directly with Wyndham by January 15. Wyndham members normally earn 10 base points per dollar at most properties, so this promotion means you'll earn 40 points per dollar. Regular members can earn up to 15,000 bonus points from the promotion. Wyndham credit cardholders and Rewards Insiders members can earn up to 20,000 bonus points, while Wyndham Rewards Earner Premier cardholders can earn up to 25,000 bonus points when paying with the card. The additional cardholder or Insider bonus is awarded only once, and you can't stack the cardholder and Insider bonuses. If you have Wyndham stays planned through January 19, make sure you register before booking.

Southwest Rapid Rewards Premier Business is offering 80,000 miles after spending $3,000 in 3 months. That’s up 20,000 miles over their standard offer of 60,000 miles with the same spending requirement. The annual fee is $149. Offer expires 10/26/26.

There is a targeted Radisson offer through Amex Offers that gives you $50 back after spending $250 or more at participating hotels in Europe and Africa. That's 20% back when spending exactly $250. There are about 175 properties that participate, with most located in Europe, with a smaller number located in Morocco and Tunisia. The offer expires December 31, 2026, and qualifying spending must be settled in person at checkout. This means the stay also has to be completed and paid for before December 31, and prepaid bookings and online or mobile app payments do not qualify. The terms also exclude purchases at bars, restaurants, spas, meetings and events, and valet parking. If you have a Radisson stay planned in Europe or Africa before the end of the year, check your Amex Offers and the participating-property list before booking.

Check your Amex Offers, as many cardholders are seeing targeted Holland America Line offers that can save you up to $250 on a cruise. There are at least two offers that we've seen: spend $750 or more and get $200 back, or spend $1,000 or more and get $250 back. That's could be about 27% back when spending exactly the required amount. The offer expires October 22, 2026, but your cruise can take place after that date as long. Reservations must be booked directly with Holland America online, by phone, or through a Holland America Line travel advisor. Onboard spending and purchases made separately from the initial reservation are excluded. If you're planning a Holland America cruise, check your Amex Offers before booking.