Breaking Points: Credit Card News

The new $300 ChatGPT Business credit is now live for Amex Business Platinum and Business Gold cardholders. While Amex announced the benefit back in March, full details were not available until now. To qualify, you must subscribe to the Business version of ChatGPT, which requires a minimum of two users. Annual billing lowers the cost to $20 per user per month versus $25 monthly, but even with the $300 credit, a two-user annual plan still costs $180 out of pocket. Enrollment through Amex is required before the credit will apply. This is a solid savings opportunity for businesses already paying for ChatGPT, though it’s less compelling for solo entrepreneurs who don’t need multiple seats.

Capital One acquired Discover in May 2025 and will move Discover It cards onto its network beginning July 27, 2026. Existing earn rates and physical cards will remain the same, but cardholders will begin managing their accounts through Capital One. In addition to current Discover benefits, cardholders will gain access to 5x earnings on hotels and rental cars booked through Capital One Travel, Capital One Entertainment purchases, and Capital One Offers. Capital One has not yet announced whether cashback or points earned on Discover cards can be combined with Capital One miles or whether product changes to Capital One cards will be allowed. We’ll update the relevant pages as more details are released.

Chase Aeroplan is is offering 75,000 points after spending $4000 in 3 months. That’s up 15,000 points over their standard offer of 60,000 points, which requires $3000 in 3 months.The annual fee is $95.

Chase continues to nerf benefits on its cards, this time ending the 10% Anniversary Bonus on the Chase Sapphire Preferred. The bonus currently rewards cardholders with 10% back on their base spending each year, paid out on their account anniversary. The benefit will officially end on October 1, 2026. Any spending completed before then will still qualify for the bonus on your next anniversary payout.

The American Airlines Citi AAdvantage Executive card is now offering 100,000 points after spending $10,000 in 3 months. That’s up 25,000 miles over the previous offer of 75,000 miles, but it also requires an additional $2,500 in spending. This matches the highest offer we’ve seen on American Airlines’ top-tier card, which includes a complimentary Admirals Club membership.