Breaking Points: Credit Card News

Wyndham Rewards Earner Plus is offering 45,000 points after spending $1000 in 3 months, plus up to 55,000 additional points by spending $500 at Hotels by Wyndham within the first 6 months. That’s up from their standard offer of 45,000 points with the same spending requirement. The annual fee is $95.

This elevated offer comes on the heels of Wyndham's recent card refresh. The annual fee increased from $75 to $95, but the anniversary bonus also doubled from 7,500 to 15,000 points, more than offsetting the higher fee for most cardholders. New cardholders also receive Wyndham Diamond status for the first year, followed by Platinum status each year they renew the card, plus a $25 statement credit every six months on eligible food delivery purchases. Existing cardholders will keep their current benefits, while the refreshed benefits apply only to new applicants.

Wyndham Rewards Earner Business is offering 45,000 points after spending $3000 in 3 months, plus up to 55,000 points by spending $500 at Hotels by Wyndham within 6 months. That’s up from their standard offer of 45,000 points with the same spending requirement. The annual fee is $149.

This elevated offer comes on the heels of Wyndham's recent card refresh. The annual fee increased from $95 to $149, but we think the added benefits make the higher fee worthwhile for anyone who stays at Wyndham properties semi-regularly. The award stay discount doubled from 10% to 20%, and the card now includes a $65 annual wholesale club membership credit and a $50 annual accounting software credit. Existing cardholders will keep their current benefits, while the refreshed benefits apply only to new applicants.

Update: The easy Newegg gift card play described below is now dead, as Newegg has disabled gift card purchases through Paze. Alternative options still exist, but they require significantly more effort and may not be worth pursuing unless you were already planning a purchase.

Paze is offering $10 back on purchases of $10 or more, up to $100 back per eligible card. While many banks have cards that qualify, Chase cardholders can stack this promotion with the separate 10x Ultimate Rewards offer currently available when checking out through Paze with eligible Chase cards. One easy option is buying $10 gift cards from Newegg, which accepts Paze. Complete ten $10 purchases and you'll receive $100 back from the Paze promotion while also earning 1,000 Chase Ultimate Rewards points from the 10x offer. The deal becomes even more attractive if you purchase gift cards for merchants where you already receive additional value through card credits or other promotions, like Instacart and DoorDash.

Amex Membership Rewards is offering a 15% transfer bonus to Avianca LifeMiles. The standard transfer ratio is 1:1, so with the bonus, you’ll receive 1,150 Avianca LifeMiles for every 1,000 Amex Membership Rewards points transferred. Offer expires July 15, 2026.

Chase has announced that this elevated offer will end on July 30, 2026 at 9am EST, so jump on this highest ever offer before then.

The Chase Sapphire Preferred is offering 100,000 points after spending $5,000 in the first 3 months. That's 25,000 points more than the standard offer of 75,000 points and ties the highest welcome offer we've ever seen on the card. The annual fee remains $95, and the elevated offer comes on the heels of a recent card refresh that increased the annual hotel credit to $100, added new bonus categories, a TSA PreCheck/Global Entry/NEXUS credit, a complimentary year of Apple TV+, and emergency evacuation coverage up to $100,000. Unfortunately, Chase also recently devalued Hyatt transfers on the Sapphire Preferred from 1:1 to 4:3, making the Sapphire Reserve cards the only Chase products that still transfer to Hyatt at a 1:1 ratio.