Breaking Points: Credit Card News

Marriott offers free night certificates on several of its credit cards, both as signup bonuses and ongoing perks. You can now top off those certificates with up to 25,000 additional Marriott Bonvoy points, making them more valuable and flexible. The previous limit was 15,000 points, so this is a welcome change.

Citi is devaluing transfer ratios to two of its hotel partners. The new transfer ratio to Choice Privileges will be 1:1.5, down from 1:2, while Preferred Hotels & Resorts iPrefer will drop to 1:2 from 1:4. The changes take effect April 19, 2026 for Citi Strata Elite, Citi Strata Premier, and Citi Prestige cardholders. This is a significant devaluation for Citi, which has been gaining ground among transferable points programs thanks to strong hotel partner sweet spots like these.

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 Avianca LifeMiles for every 1,000 Citi ThankYou Rewards points transferred. A minimum transfer of 1,000 points is required. Offer expires April 18, 2026.

Citi ThankYou Rewards is offering a 30% transfer bonus to Virgin Atlantic Flying Club. The standard transfer ratio is 1:1, so with the bonus, you’ll receive 1,300 Virgin Atlantic Flying Club miles for every 1,000 Citi ThankYou Rewards points transferred. Offer expires April 18, 2026.

IHG One Rewards Premier Business is offering 140,000 points after spending $4,000 in 3 months, plus up to 60,000 more bonus points by spending a total of $9,000 in the first 6 months. That’s up from their standard offer of 140,000 points with the same spending requirement, with the additional 60,000 points requiring $5,000 in extra spend. The annual fee is $99.