Breaking Points: Credit Card News

Both the Chase Ink Cash and Ink Unlimited are offering 100,000 points after spending $8,000 in the first 4 months. That's up 25,000 points over their standard offer of 75,000 points after $6,000 in spending and the highest welcome offer we've ever seen on either card. Neither card charges an annual fee, and Chase is also offering elevated 40,000-point referral bonuses. Keep in mind that Chase recently added family lifetime restrictions to these cards, so if you've previously earned a welcome bonus on either one, you're unlikely to qualify again. The good news is that Chase will display a popup warning before a hard pull if you're ineligible for the bonus.

The Amazon Prime Visa is offering a $200 Amazon gift card upon approval. That's up $50 over their standard offer of $150. There is no spending requirement, and eligible cardholders receive the gift card instantly after being approved. The card has no annual fee, and the offer is available from June 11 through July 9, 2026. As an added Prime Day perk, cardholders will also earn 7% back on eligible purchases when selecting No-Rush Delivery during Prime Day, which runs June 23-26, 2026.

Rove has introduced miles sharing, allowing members to send or receive miles from other users up to three times per calendar year. Transfers have a minimum of 2,000 miles and a maximum of 200,000 miles per transaction. Miles can be shared with any other Rove member, but transfers must currently be completed by contacting Rove through its in-app chat. This is a nice addition for couples, families, and friends who want to combine balances for an award redemption.

United allows members to create mileage pooling groups with up to five friends or family members, making it easier to combine miles for award travel. Until recently, pooled miles could only be used to book flights operated by United or United Express. United has now expanded the feature to allow pooled miles to be redeemed on most partner airlines as well. At the time of writing, only Flynas, JSX, and Scandinavian Airlines (SAS) are excluded. This is a meaningful improvement for anyone who uses mileage pooling, as it opens access to United's broader partner network instead of limiting redemptions to United-operated flights.

Rakuten is currently offering 12x on Dell purchases. If you have an American Express Business Platinum card, now could be a good time to use your $150 Dell credit while also earning 12x through Rakuten. Even if you spend only $150 to trigger the full credit, you'd earn 1,800 points if you have your Rakuten payouts set to Amex Membership Rewards or Bilt Rewards. This can be even more attractive for cardholders working toward the Business Platinum's Dell benefit that offers up to $1,000 in statement credits after $5,000 in eligible Dell purchases. Enrollment is required for both Dell benefits.