Breaking Points: Credit Card News

Bank of America is sending targeted mailers for the Unlimited Cash Rewards card offering 3% cash back on all purchases during the first year. The standard card earns 1.5% back and currently offers a $250 welcome bonus, while this targeted version does not include that bonus. You would need to spend about $16,667 during the first year for the additional 1.5% cash back to equal the missing $250 bonus. While 3% everywhere is a strong earning rate, this card still ranks relatively low among our rewards card recommendations.

September 15, 2026 update: New Turo card-linked offers are available from Amex, Chase, and Citi. Amex and Chase are offering $30 back after spending $150 or more, while Citi is offering $25 back after $150. The Amex offer expires December 31, Chase expires October 31, and Citi expires September 30, 2026. Keep in mind that Turo operates more like a peer-to-peer car-sharing service than a traditional rental car company, so standard credit card rental car insurance usually will not apply.

August 4, 2026: Amex, Citi, and Chase are all targeting some cardholders with offers for $30 back after spending $150 or more with Turo. Turo operates more like a peer-to-peer car-sharing service than a traditional rental car company, so standard credit card rental car insurance usually will not apply. The Chase offer expires August 31, 2026, Citi’s expires September 30, and Amex’s expires December 31. If you have an eligible American Airlines card with a separate Turo credit, the Citi offer should stack with that benefit.

American Express is targeting some cardholders with elevated referral bonuses of up to 45,000 Membership Rewards points. Amex referrals are especially flexible because you can often refer from one Amex card to a different eligible Amex card, so the person applying does not necessarily need to choose the same card you hold. If you have multiple Amex cards, check the referral offer on each one since the bonus can vary by card.

For a limited time, Marriott Bonvoy Brilliant is offering 150,000 points plus a $250 statement credit after spending $6,000 in 6 months, compared to it's standard 100,000 bonus points. This is the premium Marriott Bonvoy card that comes with a $650 annual fee. The Marriott Bonvoy Bevy is offering 125,000 points plus a $150 statement credit after spending $5,000 in 6 months, compared to it's standard 85,000 bonus points. This mid-tier card comes with a $250 annual fee. The offers expire on 9/30/26.

The Lufthansa Miles and More card is offering 70,000 points after spending $4,000 in 3 months. That’s up 20,000 points over their standard offer of 50,000, which requires $3000 spending in 3 months. The annual fee is $89.