Breaking Points: Credit Card News

Citi ThankYou Rewards has added Japan Airlines Mileage Bank as a new transfer partner and is celebrating the launch with a is offering a 30% transfer bonus to Japan Airlines Mileage Bank. The standard transfer ratio is 1:1 for eligible cards with an annual fee and 1:0.7 for eligible no-annual-fee cards, so with the bonus, you’ll receive 1,300 JAL miles for every 1,000 Citi ThankYou Rewards points transferred with an annual-fee card, or 910 JAL miles with a no-annual-fee card. Offer expires October 24, 2026.

Citi ThankYou Rewards is offering a 25% transfer bonus to Avianca LifeMiles. The standard transfer ratio is 1:1, so with the bonus, you’ll receive 1,250 LifeMiles for every 1,000 Citi ThankYou Rewards points transferred. A minimum transfer of 1,000 points is required. Offer expires October 24, 2026.

Southwest is offering double Rapid Rewards points on qualifying flights booked by September 21, 2026, and flown by December 16, 2026. You must register before booking, and while the promotion is officially targeted, it appears to be widely available. The bonus applies to paid fares, including Cash + Points bookings on the cash portion, but the extra points do not count toward A-List status or Companion Pass qualification. This isn't enough of a bonus to choose Southwest over a better flight option, but it's certainly worth registering if you're planning to book a flight on Southwest anyway. If you already have an eligible flight booked, you can also check the current fare and consider canceling and rebooking after registering if the price hasn't increased.

Chase is offering 50% back on up to two Lyft rides when you add promo code SOUTHWEST50 to your Lyft account, with a maximum of $15 back per ride. The offer officially targets Southwest Rapid Rewards cardholders and the terms say you have to pay with a Southwest card, but we have seen people with other Chase cards who have been able to load it as well. The offer expires September 30, 2026. There is also a second promo code, 26Q3CHASE50, offering 50% back on one ride, up to $10, through October 14. Both offers must be added before requesting the ride and are valid for U.S. rides, including Puerto Rico. In the app, go to your account, then Rewards, then you can add the promo codes under Offers. These offers appear to have limited availability, so we recommend adding the codes to your accunt now if you want to use them before their expiration.

Chase is celebrating the Sapphire Reserve's 10th anniversary with a contest giving away a massive amount of Ultimate Rewards points. Ten Sapphire Reserve cardholders will each receive 500,000 points plus $1,500 to help cover potential taxes. One of those finalists will ultimately receive the grand price of 5 million Chase Ultimate Rewards points plus $15,000 to help offset taxes. There are several requirements for entry. First, you must be the primary cardholder of a Chase Sapphire Reserve. You must then create a video of up to 90 seconds describing a memorable trip you've taken since 2016 and how you'd like to experience it again or take a new trip. Post the video publicly to Instagram or TikTok with the required hashtags and submit it to Chase by November 6, 2026 at 5 p.m. ET. Chase will select 10 finalists, then there will be a public vote that helps determine the grand-prize winner. One unusual restriction: Chase explicitly prohibits using AI to create or assist with any portion of your entry, including the script or video editing.