Breaking Points: Credit Card News

American Express is adding a ChatGPT Business credit to both its Business Platinum and Business Gold cards this spring. The credit will be $300, but Amex did not specify whether it will be issued annually or split into monthly credits. A ChatGPT subscription currently costs $300 per year, so an annual credit would be the more valuable structure. It’s also unclear whether this will be an addition or a replacement for an existing benefit. We’ll update each card page once the credits go live.

American Express has launched a new mid-tier cash back business card called the Amex Graphite Unlimited 2% Cash Back card. It carries a $295 annual fee and earns unlimited 2% cash back on all purchases, plus 5% back on hotels and airfare booked through the Amex Travel portal. The signup bonus is $1,500, but it requires $50,000 in spending in the first 6 months. The bonus is issued as Reward Dollars, which can be redeemed as statement credits or at Amazon at 1 cent per point. This lands near the bottom of our list of recommended American Express business cards. American Express also announced plans to launch a new Corporate Cash Back card in Fall 2026.

Delta is running a flash sale through March 26, 2026 on award flights to Asia from multiple U.S. cities. Roundtrip pricing starts at 30,000 SkyMiles with a Main Basic fare or 44,000 miles with a Main Classic fare. Taxes are low at around $40 to $45 roundtrip, and Main Classic fares include seat selection, two checked bags, and free cancellation. Most availability at these prices is to Taipei and Hong Kong, with departures from cities including Los Angeles, San Francisco, Chicago, Las Vegas, Seattle, and Boston.. If you own a Delta co-branded credit card, you get a 15% discount, so the 30k flights become 25,500 miles and the 44k flights become 37,400 miles. You can search various city pairs here.

Wyndham’s Member Month promotion is offering 20% off stays of 2 or more consecutive nights or 15% off a one-night stay at participating Hotels by Wyndham. Wyndham Rewards Insiders ($95/year) can save 25% on stays of 2 or more nights or 20% on one-night stays. Book by April 14, 2026 and complete your stay by June 30, 2026.

Citi will end points sharing between ThankYou Rewards cardholders. Members can currently share up to 100,000 points per year, with transferred points expiring after 90 days. The change takes effect May 16, 2026, so members who plan to share points should do so before then.