On January 11th all legacy cardholders will automatically be updated to the newer card. If your annual fee is before August, you'll still only pay $75, thereafter all annual fees will be $95. Some of our writers are electing to cancel theirs prior and then apply for the new one to receive a new bonus, which based on the age of the card would be beyond 24 month bonus rule.

The offer is a solid one for this card without an exorbitant spend. Just make sure you have a plan for using your points within the year and/or a plan to maximize benefits as the $550 annual fee will offset that bonus in few short years.

The Chase Ink Cash and Unlimited have 75,000 limited time offers for spending $7,500 in 3 months. If you can swing the spend, now is the time to get one of these cards. We particularly love the Chase Cash (which is still points by the way unless you cash them in) with it's really useful 5x spend categories.

You can now book more freely with American Airlines points. Beginning Nov. 11, 2020, there will be no fee to cancel a flight and return your points to your account. Normal cancellation rules apply, which have become increasingly generous through the Covid pandemic.

This 70,000 offer on the United Explorer personal card is the best we can remember. It is a tiered offer of 60,000 points for $3,000 in 3 months, and 10,000 more for $6,000 total in the first 6 months. Keep in mind, it has to have been at least 24 months since your last BONUS on this card to qualify. Other United cards won't preclude you from getting approved, within reason.