Breaking Points: Credit Card News

IHG is targeting certain members with an offer to earn double elite night credits on qualifying stays through December 31, 2026. You can earn one bonus elite night credit for each qualifying paid night after registering, up to 10 bonus nights, so that means 10 qualifying nights during the promotion would count as 20 elite nights.. The bonus nights count toward both IHG elite status and Milestone Rewards, making this particularly useful if you're approaching the end of the year just short of your next status tier or Milestone Reward. This offer is targeted and requires registration through an invitation from IHG. Qualifying stays must cost more than $30 per night and be booked at an eligible rate. It's important to know that award nights and Points & Cash stays do not qualify.

IHG has refreshed its monthly list of new and recently updated hotels available for 15% off award stays, adding another large batch of eligible properties. The newest additions can be booked for discounted stays through March 31, 2027, while previously added hotels have earlier booking and stay deadlines. This month's additions include the Vignette Collection Canary Riverside Plaza London and voco London - Bloomsbury, along with properties across the U.S., Europe, Asia, and other regions. If you hold an IHG free night certificate, the discount could also bring some properties below your certificate's redemption cap, making them eligible for redemption. You can view the full list of participating hotels and their respective deadlines here.

There is a targeted Chase Travel offer that gives you $100 back after spending $600 or more in a single transaction through Chase Travel by October 31, 2026. The only restriction appears to be that it must be used in a single transaction, so it should work on flights, hotels, cruises, rental cars, activities, and tours booked through Chase Travel. If you have a Sapphire Reserve or Sapphire Reserve for Business and are targeted for the offer, you could stack this with your $250 The Edit credit or Select Hotels credit on an eligible booking. Just remember that the $600 minimum must be charged to your card in one transaction. If you use Ultimate Rewards points toward the booking, at least $600 in cash still needs to be paid with the eligible Chase card.

Amex currently has a targeted offer for stays at Best Western and SureStay that gives you $50 back after spending $250 or more in one or more qualifying purchases. The offer is valid through December 31, 2026 at participating properties in the U.S. and Canada, and eligible room charges also count toward the spending requirement along with the room rate. Reservations must be made directly through Best Western, and qualifying charges must be paid during the offer period. A handful of properties are excluded, along with WorldHotels locations. If you have an upcoming Best Western or SureStay stay planned, this could be a nice way to get around 20% back.

Hilton currently has three promotions that can stack on the same paid stay, making an upcoming Hilton booking much more rewarding than any of the offers look on their own. We wrote about this one separately last week, but Hilton Honors Amex cardholders can earn 10,000 bonus points after completing a paid stay of at least three consecutive nights after registering and booking by November 9, 2026. Some members are also targeted for a separate promotion offering 1,000 bonus points on their first stay, 2,000 on the second, 3,000 on the third, 4,000 on the fourth, and 5,000 on the fifth, for up to 15,000 total bonus points over six months. Lastly, Hilton's global promotion offers another 1,000 bonus points per paid stay at most properties or 3,000 points at participating luxury, lifestyle, resort, and all-inclusive hotels through December 31. If you're a Hilton cardholder and happen to be eligible for all three, the bonuses do stack with each other, and you will still earn your normal base points, elite-status bonus, and Hilton credit card earnings. A three-night cardholder stay could therefore earn 11,000-13,000 promotional points before even counting the targeted tiered offer or your regular earnings.